As an employee, you’ve likely heard “workers’ comp” thrown around. But what does it actually provide, and when are you eligible to apply? The following guide will look to provide all the ins and outs of workers’ compensation so that you can decide what to do if injured on the job.
Workers’ Comp Definition
Usually in the form of insurance, workers’ compensation covers medical expenses and lost wages to an employee who gets injured on the job. Most businesses in the United States are required to carry workers’ comp insurance for their employees. A major condition to workers’ comp is that making a claim prevents the recipient from possibly suing the company for negligence in civil court.
How to File a Claim
The first step to filing a workers’ comp claim is to notify your employer of the injury, usually within 30 days of the incident. This may involve filling out forms to provide a record for reference and legal purposes. From here, your employer will go over how coverage will be applied and any necessary remaining steps. A claim is sent to the state, which will then contact your employer and its insurance agency.