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The Various Worker's Compensation Benefits
Worker's Compensation plans were initiated in an effort to protect both employers and employees. They are beneficial to employers because the plans protect them from lawsuit. This enables them to accurately budget expenses for claims. Employees benefit because they can continue to receive cash payments while injured, along with some or all of related medical costs. While Worker's Compensation statutes differ between states, the basic remain the same.
Funding for compensation programs is normally provided in one of three ways. In the majority of states, employers are required to obtain policies from insurance providers to cover their claims. In a very few states, employers pay into a state operated fund that processes claims and distributes payments. And finally, there is a combination method employed by some states in which the state fund covers only employers reject by private insurers.
As a rule, employees who are unable to work due to a job related injury or illness can receive weekly or monthly payments. In most instances, these do not constitute amounts equal to salary but instead are a set percentage. Under some plans, these payments can continue for as long as the employee is ill or hurt, with no time limit. However, in some states there is a point at which monthly payments are discontinued and one lump sum payment is issued.
Normally, all health care costs incurred due to the injury or illness are covered, either partially or completely. Hospitals, doctors, prescriptions, physical therapy, and medical equipment are considered eligible items under the plan.
If an employee will be able to work, but not in the position he or she held prior to the injury, most states will provide training to place the employee in a different job. For example, a factory worker who can no longer stand for long periods of time might receive computer training. In most cases, an employee who has been deemed capable of working in this new job must work or forfeit benefits.
A worker who is injured on the job should immediately report the incident to a supervisor or manager. Management will collect the statements of any witnesses and prepare a report. Normal procedure is to arrange a drug test for the injured employee, since the presence of illegal drugs or alcohol usually invalidates the claim. Most employers also have designated hospitals or doctors for the initial treatment of work related injuries as well as follow up treatment.
To keep their Worker's Compensation benefits, employees must cooperate in their treatment plan. They will be expected to obey all medical orders, including rehabilitation or therapy programs. Training courses, if ordered, needs to be completed. Employees can also lose their benefits if they are offered restricted duty but refuse to report for work.
If harmed relating to the job, or made sick by toxins or working conditions, it is important that workers report the injury and file worker's compensation claims immediately. managers and supervisors should offer workers claims forms to fill out. It can also be intelligent to consult an attorney who specializes in worker's compensation law, if the worker suspects the employer or the insurance company could challenge her or his claim.
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