Are you eligible for workers’ compensation insurance? This insurance protects workers who are injured on the job. Likewise, job-related illnesses are also covered. The first requirement for eligibility is that the employer has this insurance. Not all employers are required to have workers’ comp coverage. Many states base the requirement on how many employees there are. For instance, quite a few states only require employers with three or more workers to have it. All Employers have the choice of buying insurance or becoming self-insured.
The second requirement is that an individual is an employee. Unfortunately, the word “employee” is not as simple as it sounds. Many unscrupulous employers avoid paying by claiming employees are independent contractors. Independent contractors are freelance workers with contracts at companies. They are not considered employees. If you are denied benefits, for this reason, consult with a Utah Workers Compensation Lawyer. Next, the injury or illness must be related to the job.
However, the injury does not have to happen in the workplace. An example would be a driver who has an accident while making deliveries. Carpal tunnel syndrome is an example of a work-related illness. In addition, job-related illnesses can be caused by exposure to toxic substances. Injuries that are caused by intentional acts, like fighting, are not covered. If you are confused about your rights, visit Davis and Sanchez PLLC. The lawyer will explain that workers’ compensation benefits include,
1. medical payments
2. wage compensation
3. rehabilitation
4. payment for permanency
Medical benefits cover all treatments, examinations and tests. The insurance also picks up the tab for prescriptions and physical therapy. Benefits in many states include mileage payments for medical-related travel. Additionally, rentals for equipment like wheelchairs or hospital beds are covered. Injured workers get weekly checks based on a percentage of their regular wage. Likewise, workers must be compensated for any permanent injury. Most states have a formula that places a dollar amount on different disabilities. It is always best to hire a Utah Workers Compensation Lawyer. Job-related injuries can be serious, and no one should suffer. Make sure you get any benefits owed to you.
