Sunday, September 15, 2019

How Workers' Compensation Works

How Workers' Compensation Works ?

The dangers associated with industrial manufacturing became apparent soon after the rapid growth of such jobs in the early twentieth century. 
Heavy machinery, chemical use, and other hazardous materials caused numerous workplace related injuries, and the lack of a system to compensate the workers created mistrust between employers and employees. 
Soon after federal workers were covered under the first workers' compensation law passed in 1908, states started adopting their own laws.
Workers compensation serves as a bargain between an employer and an employee to avoid pursuing litigation for workplace injuries. 
The employee gives up the right to sue his/her employer for the injury caused at work, and the employer agrees to provide financial benefits to workers who are injured on the job, even if the injury is due to the worker's own fault. 
Most companies are required to provide workers' comp benefits to their employees.
There are 55 different workers compensation programs in the United States. 
Although they differ by the requirements and benefits paid, most programs cover medical expenses, physical therapy, lost wages and loss of future income, and/or cost of new job/occupation training. 
If a worker is killed, the program covers funeral expenses and may provide benefits to family left behind by the worker.
An employee injured due to exposure to hazardous materials, or through repetitive motion due to the nature of the job, is covered under workers' compensation programs. Essentially, any injury caused by the job or the nature of the job itself will most likely be covered. 
It is imperative to file a claim with your employer as soon as you are injured. 
In the event of a challenge of the claim by your employer or its insurance company, the case will be heard by a court.

1 comment:

  1. Office environments pose their own specific collection of threats to health. Office workers sit for most of the workday, causing back and neck pains. Repetitive use of phones and computers in the long term poses potential risks. Thanks all!