People go to work each day without thinking of any risks they may face. Being injured on the job isn’t something we consider until it happens. Many don’t even realize they have Workers’ Comp insurance until they have an accident and need to file a claim. It’s essential to learn as much as you can before you need it to know what to do if an accident occurs. This article e deals with some essential workers’ insurance FAQs.
What Does Workers’ Compensation Insurance Do?
Workers’ Compensation insurance is designed to protect you, as well as your employer. Your employer is able to provide you with the insurance coverage you need to pay for any lost wages you may incur. The primary purpose of the insurance policy is to pay for any medical expenses that are the direct result of a work-related accident.
Does Workers’ Comp Insurance cover all Work-Related Injuries?
Your Workers’ Comp policy covers most work-related injuries. However, there are some circumstances that may not be covered. Working while intoxicated, committing an illegal act, hurting yourself intentionally are instances where your Workers’ Comp claims will be denied.
Do I Have to Be Injured at My Workplace to Be Covered?
You do not have to be injured at your place of employment to be covered by Workers’ Comp insurance. Many people work away from the office, and some may travel as part of their work-related duties. As long as you are “on the clock,” your location is not an issue.
What Are My Rights If I’m Injured on the Job?
If you are injured on the job, you have the right to file a claim that will allow you to be compensated for your medical bills and any lost wages resulting from the accident. You are also protected from any retaliation on behalf of your employer and appeal if the claim is denied. In most states, you do not have the right to sue your employer if you file a claim and receive benefits.
Does Workers’ Comp Cover Only My Medical Bills?
Workers’ Comp will also cover lost wages if you are not allowed to work and will also cover any training you may need if you cannot return to your original position. You will need to talk to your insurance agent to find out how to apply for the retraining benefit.
Can I Get Workers’ Comp If I Contract COVID-19 at Work?
Proving exposure to COVID-19 in the workplace can be difficult, and you will have to prove that you were only exposed to COVID while in your work environment. In most cases, the nature of your job will be the determining factor that indicates your level of risk. For example, a nurse has a higher risk of COVID-19 exposure in the workplace than someone who works outside as a lineman.
What Should I Do If My Workers’ Comp Claim Is Denied?
If your Workers’ Comp claim is denied, you will receive a letter that explains why. Read the letter carefully. If you failed to include certain information or documentation, you might be able to file your claim again if you are still within the original deadline. You have the right to know why your claim was denied. If it is still unclear, contact your insurance company and request a review.
Workers’ Comp insurance doesn’t have to be confusing. There are many questions and concerns that can easily be addressed by calling a reputable insurance provider. If you want to speak to an insurance professional specializing in Workers’ Comp insurance, call ISU-Wissink Agency today! Our team has special training to help you navigate through the Workers’ Comp claim process.