Did you know that thousands of work-related accidents happen every year? Every employee should be able to go complete their daily tasks without the risk or worry that they’ll be injured, hurt or even killed. From factory workers to office staff, no sector is immune from workplace accidents which is why workers’ compensation is incredibly important.
But, what exactly is worker’s compensation, and what are the benefits of having one? Reading through valuable resources like realjustice.com/fort-lauderdale-personal-injury/workers-compensation/ will help you find answers to questions triggering your minds.
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If an employee is injured at work, then they may be able to file a personal injury claim against the company they work for – click the link to find a lawyer – however, if workers’ compensation is in place, then employers are protected from those who wish to sue them for damages. It works out well for employees too, who are also covered and protected.
What does it do?
The answer is simple. Workers’ compensation is a policy that is taken out by the employee that, in the event of an accident covers the medical expenses and any lost wages that the employee may face. As mentioned above, it also means that the employer is protected from lawsuits.
What kind of scenarios are covered?
If an employee is hurt, contracts a disease or illness or is even killed, then workers’ compensation would come into play. There are a wide variety of scenarios that are covered but some of the most common include:
- An employee slipping and falling
- An employee injured in a car accident whilst working
- An employee sustained back injuries from sitting/typing
- An employee contracting a life-threatening disease after being exposed to a chemical
What is the role of an employer?
If an employee is injured at work, then the employer plays an important role in getting the ball moving. The employer needs to provide all the forms and help the injured employee get to grips with the claims process. They’ll also create a plan for the employee returning to work when they are fully recovered.
What are the most common injuries?
It’s not only jobs that are physically demanding that put employees at risk. Those who work in retail, restaurants and offices are also at risk. The most common workers compensation injuries include:
- Slips, trips and falls
- RSI
- Hit by falling objects
- Car accidents
- Accidents caused by machinery
- Back problems due to overexertion
