Workers compensation is an insurance policy taken out by an employer to protect employees in case they get injured while working. You should first check to see if your employer has workers comp, as not all states legally require businesses to cover their employees. If they do, it’s important to understand how workers comp can protect you and what your rights are in the event that a claim is denied.
What Are the Benefits of Workers Comp?
Workers compensation covers many things depending on the extent of your injuries and how the accident occurred. It can pay for all your injury-related medical bills, as well as any wages you might lose while unable to work during your recovery. If you become permanently disabled, workers comp will continue to cover you.
What If Your Claim Is Denied?
Your claim could be justifiably denied because your injury resulted from a fight with another employee or you were acting negligently on the job. However, sometimes your employer will unfairly deny your claim because of costs. While some companies are trying to make insurance more affordable, such as warehouse workers comp, it can still be something your employer doesn’t want to deal with. If this happens, you can contact an attorney to see if you have the option to sue.