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Worker's Compensation Insurance

If you become injured while at work or develop an illness that is directly related to your job you are eligible for worker’s compensation insurance. The United States has this insurance in place to protect workers from being injured or becoming ill while on the job. The insurance also covers dependents of family members who are killed due to a work related illness or injury. Most states have their own specific rules and regulations regarding worker’s compensation insurance although they are all basically the same guidelines.

The benefits of worker’s compensation insurance under the Federal Employees’ Compensation Act allow coverage for any medical expenses that accrue because of a work related disability, injury or illness. They provide a salary for the employee while undergoing treatment for the work related disability and ensure that the employee’s job is secure until he or she returns to work or is considered permanently disabled. The act also provides compensation for the survivors of any employee who dies on the job or as a direct result of a job injury or illness.

If the disability is considered to be permanent and there are dependents of the employee then the compensation may be increased. Other damages may also be awarded depending on the specific circumstances surrounding the claim. In order to file a worker’s compensation claim, the employee must seek medical treatment immediately following the injury or at the first sign of illness related to their job. The employer must be notified as soon as possible about the work related disability and the claim must be filed with the worker’s compensation office in the appropriate state. Even for injuries that seem minor enough not to need immediate medical attention, it is important that you report any and all injuries related to your job immediately to protect yourself in case the injury does worsen at a later date.

Employers may often require that employees see specific doctors. This is a common practice and provided the event or injury is not in need of immediate medical attention, the employer has the right to make such a request. If however the injury is an emergency then employees should seek emergency treatment at the nearest facility and then notify the employer afterwards. Different states have different regulations regarding this however so you should do a bit of research for laws in your area just to be completely sure before you have an event that warrants a worker’s compensation claim. You should also note that most states have a statute of limitations on filing these claims so it is imperative that you seek medical attention and notify your employer at the very first sign of a job related injury or illness. Employers often provide the appropriate forms to employees to file with the Workers’ Compensation Office. Check with your employer to see about these forms. If you cannot get them from your employer you can call your state government office or contact your local US Department of Labor and Workforce Development for the forms. Federal employees have different avenues that they must use to file a claim so be certain that you are informed of the steps to take should you have such an illness or injury.

Employers do have the right to dispute these claims and when this happens the employee can ask for a hearing that will beheld in front of an advisory board. Whether or not an attorney will be needed depends on your specific case and its complexity. Be sure to read up on the laws and regulations regarding worker’s compensation insurance in your state before you get to the point that you need it.

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