Many people have heard of Workers’ Compensation, but few people know what it really means until they themselves are injured at work. Here’s a primer meant to give you a basic understanding of your rights.
Over 100 years ago, business and labor came to a compromise that benefits both workers and employers in the event of a work injury. For workers, it allowed for prompt medical and wage replacement benefits as well as an opportunity to receive compensation for the ongoing physical limitations that occur after a trauma. It also created a no-fault system, one where an employee need not have to prove negligence in order to receive these benefits. The goal was to lessen the negative health impact for injured workers and maintain their financial stability.
Employers benefit from workers’ compensation also. Highly managed healthcare by workers’ compensation insurance companies are thought to keep costs down and return injured workers to work more quickly than if they pursued treatment independently.
Overall, the system has benefited society by reducing conflict, improving work safety and protecting taxpayers from the burden of paying for the care and needs of disabled workers.
This all works theoretically, of course, but there are times when medical treatment is withheld, wage replacement is not paid or a workers’ comp claim is completely denied. If you’ve been injured at work and feel you are being shortchanged, call us for a free consultation to discuss your case immediately as there are important deadlines to which you must adhere.