Some works are more dangerous than others. For example, working in a nuclear plant or a construction site is more dangerous than working in an office. One does not anticipate injuries or harm when one visits the workplace. But sadly, accidents do occur occasionally, and when they happen, it is the firm’s responsibility to take care of its employees. An employee might not know how to fill out the forms or seek compensation, so the employer must step in and help the worker get their rightful claim. Continue reading this article to learn more about worker’s compensation insurance.
Employee Reports of Injury: When one is injured, he is rushed to the hospital or a private nursing home. The injury might be severe or mild. At times the victim gets to know of the injury right away, or they may learn more about the symptoms in a few weeks to come. Whatever the scenario is, one must seek medical help if required.
- If he seeks compensation, an employee must let the employer know of the injury. The process needs to be as fast as possible. Different states and firms have specific deadlines for letting the firm know of the harm endured. For example, In New York, the employer must be made aware of the injury within 30 days.
- Some injuries require immediate care and even surgeries. In contrast, other injuries may require diagnosis and long medical treatment. Be sure to report either type of medical emergency to the employer and submit the necessary paperwork.
The Employer Guides: Once the employer is made aware of the injury, it is time for the boss to step in and help the worker learn more about his rights and benefits. The employer must also inform them about the process of returning to work. Most businesses talk about workers’ compensation programs while hiring new candidates for work. If a firm fails to provide the information, it might even face lawsuits for its incompetency. Therefore, getting worker’s compensation should be made easy by the employer.
Employer Reports of Injury: Once the employer gets all the information required on the injured worker, he must file a claim with the insurance company to get the benefits. The employer will submit the doctor’s record and any other required documentation the insurance company needs.
- The claim may be denied or accepted based on the paperwork. If the claim gets denied by the insurance firm, the employer may request reconsideration. The injured worker may also file a formal appeal and contact the State Workers’ Compensation Board of Commission.
- On the other hand, if the claim is granted, the insurance office will cover the medical costs, including medical bills and a portion of the lost wages. One may even negotiate the sum for the loss suffered due to a hazardous job profile.
Return To Work: When the employee is fully recovered, he is welcome to return to his position and continue his work as before. No company may discriminate against an employee because he had been absent from the workplace due to physical injury. One should not be demoted or given less salary than before.
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