Workers’ compensation is a kind of insurance that most employers are required to carry. When you’re working and get hurt, you should be able to make a claim for your injuries and get fair compensation as you focus on your recovery.
There are some people who may not have access to workers’ compensation, such as some federal employees and independent contractors. For people are who employed, there typically is workers’ compensation in place to protect them if they’re hurt on the job.
How do you know if you can access workers’ compensation coverage?
When you initially accepted a job offer, you may have been told about workers’ compensation. If you weren’t, look in your break room or other public areas of your office. There may be a large workers’ compensation poster or pamphlets available to you there. If you still don’t see any information about workers’ compensation, ask your supervisor, human resources department or employer if workers’ compensation covers your role.
Usually, workers are covered by workers’ compensation. If you’re hurt on the job, you can report the injury to your employer and then start the claims process. There is a limited amount of time to make your claim, so report the injury as soon as possible and tell your employer that you’d like to seek workers’ compensation.
Workers’ compensation helps cover medical expenses, a portion of your lost wages, rehabilitation and other needs after a serious injury on the job. Whether you’ve fallen and broken a bone, have a head injury, suffered burns or have other injuries, you deserve the opportunity to seek medical care. That care should be covered by workers’ compensation, helping you get the medical support you need to heal without burdening you with medical expenses.
If you’re hurt, start your workers’ compensation claim
As an employee, you may have the right to workers’ compensation. As soon as you’re hurt, let your employer know and seek the medical care you need. Tell the medical provider that you were hurt on the job, and they can help you get the documents you need to give your employer and to begin your claim.