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Saturday, September 14, 2019

Workers Compensation ( What You Need to Know )

                                Workers Compensation

                          " What You Need to Know "


Workers compensation is a form of insurance that provides compensation medical care to employees who were injured at the workplace. 
Basically, it guarantees workers medical care and payment for any time lost at work due to a work-related injury.
 Because getting injured on the job could start massive lawsuits, which it has before, many employers offer compensation with no questions asked. Regarding this form of compensation, it is important to understand a few facts about it. 
Some of them may surprise you and change your views on compensation. 
The main thing everybody needs to understand is that the rules are different from state to state. 
Being aware of the laws in the state in which you are employed is beneficial to all employees.
One thing everyone should know about workers compensation is that not all employers are required to have it. 
In different states, there are a minimum number of employees a company can have before they must offer compensation. 
This number usually is small and is around five employees. 
If you work in a large corporation, you have nothing to worry about. 
Small businesses with just a few employees may not offer it because it is not required of them. 
If you work in a small business, find out if your employee offers it because it could save you a lot of money and stress if you happen to get injured.
Another thing that many people do not know about workers compensation is that the employee does not have to prove that the employer was at fault for the injury. 
The only thing that matters is that the individual was injured at work. 
Workers compensation laws have been designed to exclude fault to make it easier for workers to receive their treatment and compensation. 
Although employees don't have to prove that their employer was at fault, they do have to go to a doctor or medical hospital if the employer's choice. 
Refusing to see the selected doctor could result in losing your compensation case. 
If you get hurt at work and want to go to your own doctor, be prepared to pay for it yourself.
Regarding the lawyers who work the workers compensation cases, they typically are paid on a contingency fee basis. This means that they receive a percentage of the winnings. 
If the lawyer doesn't win the case and the employee receives no money, then the lawyer receives no money. 
If the case is won and a lawyer is paid, the fees awarded to the lawyer usually have to be approved by the state's workers compensation board. 
The fee typically awarded to lawyers in one quarter or one third.
Workers compensation is one of those topics that everybody thinks they know everything about. 
In reality, the only people who can really say they know everything about it are lawyers because it is their job to do so. 
Because the laws change from state to state, it can be easy to miss some of your state's regulations regarding workers compensation.

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