When injured on the job, you are entitled to a workers compensation benefit if you can no longer do your job. Your claim must be filed within two years of the accident, and you must prove that the injury was work related. It must also result in an order for your employer to pay benefits and the employer must fail to pay those benefits. For this benefit, you must keep detailed records of all work-related incidents and accidents, including the date and location of the accident.
Traditionally, injured workers filed lawsuits against their employers after accidents at work. However, these cases usually ended up in court, and they would lose their benefits if the court found that their employer was not responsible. As a result, few employers were held liable for workplace accidents. This was a major problem in our society. We needed to change that, and workers compensation has made this a viable option for injured workers. You can learn more about workers compensation at the Division of Labor and Employment.
Another important factor in the premiums for workers comp is location. Insurance companies often look at the area you’re in for catastrophes. Businesses in high-risk areas can expect to pay higher premiums. Experience ratings, which adjust premiums based on claims history, are available for employers with an average annual premium over a certain amount. Companies with a history of lower claims will pay lower premiums. In most cases, workers compensation insurance companies do not charge any higher premiums than businesses with less claims.
If you are unable to file a claim form, you should write to the Board, your employer, or their insurer. Include the date of your injury, full name, and the date of the request. You should also sign the letter. The Division of Workers’ Compensation also has forms you can use to file a written complaint and request a hearing before the Board. A workers compensation attorney will file these forms for you if they cannot receive a favorable settlement.
Although most states require that employers buy workers’ compensation insurance, there are certain exceptions. Companies with fewer than five employees may be exempted by their state, but many larger employers opt to purchase the insurance themselves, which is known as “self-insurance.” Some states even have separate workers’ compensation systems. Federal law has special rules for maritime and railroad workers, as well as for independent contractors. If you are in this industry, make sure you have workers’ compensation insurance. It will protect your business against lawsuits.
The workers’ compensation insurance plan pays for medical treatment and missed paychecks due to your injury. The insurance coverage is a no-fault benefit that is provided by the employer. In addition to providing you with medical care, you also have rights. The Workers’ Compensation Board processes claims and determines which insurers will cover your claims. The Board also decides on the amount of medical care and lost wages that you are entitled to. The benefits are both short-term and long-term. In addition to the benefits, your employees’ dependents may also be entitled to death benefits.