No matter careful you are with safety plans and injury prevention, accidents do happen. When they do, it’s important you deal with them correctly to avoid any more issues down the road. Understanding Worker’s Compensation and the legal side of what happens when someone is hurt at work is a very large concept, and it will be different in each state depending on the laws.
Understanding the legal jargon and navigating the paperwork can be difficult, and hiring an attorney can help your business work through problems as they arise related to injuries at work. A few things to know about Worker’s Compensation laws are listed for you, but keep in mind not everything will be the same from business to business.
- Workers give up their right to sue your company in return for the benefits for accidental injury. This means that you won’t have to face court battles blown out of proportion. A lawyer can explain this to you more in depth, as well as make suggestions on how to change your benefits program.
- Your benefits will usually include coverage for lost wages if they can’t return to work until they are healed. This may not always be the full paycheck they live off of, so it may be best to redirect them towards a lawsuit loan agency. In the situation of an auto accident, loan companies may be able to help them as well if your business deals with traveling.
- When qualifying for these benefits, it must be work-related. Any injury that was due to intoxication or other personal issue will not have an impact on your company, and you do not have to pay out for their claim. Investigating the situation thoroughly can help save you from unnecessarily paying your worker for their injury.
- Most states consider businesses even with a single employee as applicable to Workers’ Compensation laws. Even if you are exempt, you can always still participate in these government programs.
- Third party workers that are contracted typically will not be considered your employee, and will not be eligible for the benefits your business covers for a workplace injury. The law will define who can be considered an employee of your company directly, so make sure that you do your research.
- The injured employee can still sue a third party not affiliated with your business if they played a part in the accident. Your business is the only one protected from being sued if your employee is eligible for the benefits that your Workers Compensation program offers.
- Everything is administered by your state agency. You won’t have control about the terms of eligibility or what benefits they receive, so make sure you have all of the information and facts ready to give those in charge.
- Most of these facts are shared by every state. These are the basic things that are included in every Workers Compensation program, and additional details may vary.