Getting injured at work can be a devastating financial hit. Not only is a person unable to continue working, but they can also accumulate massive amounts of medical bills and debt depending on the type of injury. Paying these bills while out of work can be difficult, which is why some think about suing employer for injury. People sometimes misunderstand the process of suing an employer, though, assuming they would take their boss to court. In reality, these cases are usually settled through worker’s compensation insurance.
Worker’s compensation is a type of insurance employers have to ensure their employees are covered in the event of injury. This insurance pays for worker’s medical bills and rehabilitation expenses. In some cases it can even cover a portion of the employee’s lost wages while unable to work. This same policy also protects the employer, though, by typically covering their legal costs if the employee decides to sue for things outside of the policy’s coverage.
Most large companies will have a worker’s compensation policy in place for its employees. There are specific requirements depending on the type of business and where it is located that vary by state. Smaller businesses, such as a sole proprietorship or freelance enterprise, are not required to have a worker’s compensation package in place.
How to File a Claim
First, a person needs to visit the company’s approved health care provider to have their injury or illness assessed. This professional will provide a report to include with the employee’s claim for compensation. A person’s employer will give them the necessary forms to fill out and then these should be filed as a claim with the company’s insurance provider. Once the claim has been processed, the employee can receive their reimbursement or lost wages and return to work when cleared by a doctor.