Workers’ compensation is one of the most important assets an employee can have. If you sustain an injury at your workplace, your company should set aside funds for the sole purpose of paying for your treatment. These funds also hold your employer accountable for safer procedures in the future. But even so, many people find themselves confused when it comes to this process. After all, it may not be immediately obvious if your incident is covered. Here’s how to find out if you’re eligible for Workers’ Compensation and make sure you get what you need.
Your injury happened on the clock
The first things that make you eligible for Workers’ Compensation are where and when your injury occurred. Employers have a responsibility to ensure the safety of their employees during working hours. As such, getting injured on time automatically forces employers to cover the cost of your medical treatment. You can even claim additional compensation depending on whether or not your accident was due to company negligence.
Your employer has health insurance for workers
You are also free to file a workers’ compensation claim if your employer has the necessary financial coverage. Many industries require companies to have workers’ compensation insurance so that companies can provide support to their employees. This is not the case for all companies, but this coverage allows you to claim a claim following an accident at work. So be sure to ask right away if your business has this insurance.
You have respected the declaration and filing deadlines
Another way to find out if you are eligible for workers’ compensation is by meeting your state’s reporting and filing deadlines. Every state has a statute of limitations on personal injury filings. Making your claim within this time allows you to claim compensation. However, if you miss the deadline, you forfeit your right to these funds. Most often, the statute of limitations for work accidents is between one and two years.
You have a lawyer who will take your case
If you can find a personal injury lawyer ready to help you with your case, that’s a good sign that you’re entitled to compensation as well. These professionals are familiar with the legal system and know how to present the evidence surrounding your accident. They can even explain third party workers’ compensation cases to you and help you pursue them, depending on your situation. Getting help from a lawyer ensures that you are protected and that you are taking the appropriate steps towards a settlement.