Workers’ Compensation Cases
In most states, if you are injured on the job, then your state will require your employer to offer workers’ compensation coverage. The responsibility to provide you with benefits is in the hands of your employer. Here is what you need to know about employer responsibility.
Who Treats Employees?
When you are injured at work, it is the employer’s responsibility to make sure that you receive medical treatment. If it is an emergency injury, then he or she needs to make sure that you have emergency treatment. This may mean calling an ambulance or it may mean that the employer ensures that you go to the hospital right away. The employer should also have a first aid kit on hand.
What Is the Scope of Workers’ Compensation?
Workers’ compensation has a variety of different rules and requirements. Workers’ compensation laws differ throughout the states and some industries may have different rules. For instance, industries with higher risks might have different rules. This is because someone in construction might have more risks than a person who works behind a desk all day. It is up to the employer to provide you with workers’ compensation and likewise, it is up to him or her to let you know what your workers’ compensation coverage covers. He or she should have a posting about the rules of workers’ compensation.
When Do You Notify the Carrier?
If you suffer a work-related injury or illness, you need to report it as soon as possible. As the employee, you do not have to notify the insurance carrier. Instead, you report the injury to your employer. There are forms that the insurance carrier needs to receive so that they can process your claim. In addition, you will need to tell your doctor and the other medical staff that you suffered your injury at work. When you do this, the hospital will know not to bill your health insurance. If you suffer a non-serious injury that did not involve medical bills, then you do not have to file a claim. It’s important that you stay cautious, however. Make sure to get medical attention because it may be more serious than you think.
When it comes to injuries and illnesses sustained at work, your employer has a responsibility to you. He or she should be the one to provide you with workers’ compensation coverage. In addition to providing you with coverage, he or she should inform you of your benefits in advance. This often involves posting information about workers’ compensation coverage.
If you have questions about whether or not you have a workers’ compensation case, contact a workers’ compensation attorney, like a New Jersey workers’ compensation attorney, for more information.
Thanks to Rispoli & Borneo, P.C. for their insight into what kind of responsibilities the employer has for workers’ compensation cases.