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Worker's Compensation And You

Jan Mayrhofer By Jan Mayrhofer on
Badge: Publisher | Level: 14 | Workplace & Operations Expertise:

Most employees are protected from monetary loss in the case of an on-the-job injury through the Worker’s Compensation program. The program also benefits employers, but is one of the major expenses a corporation faces. Still, the injured employee will have medical bills paid for, and wage compensation for lost time on the job, so long as he wasn’t doing anything against company policy at the time of injury (drugs or alcohol), and the employer cannot be sued for damages for negligence.

If you are injured on the job, it is something that needs to be reported right away. Usually a drug test is quickly administered and often a triage center is called to determine whether immediate medical attention is required. (Sometimes this will be obvious, but not always.)

It actually costs your company a lot of money to open a claim which they have to do if you go to the doctor. All injuries should be reported, but they do not all necessarily need to be seen by a doctor. If you are not injured seriously, it is sometimes good to wait a day or two before deciding to see a doctor. This will help keep costs down for your employer, which they will definitely appreciate.

On the other hand, if you feel that it is necessary to see a doctor, do not hesitate to do just that. Your employer may have a certain doctor or group of doctors, or a clinic they prefer you visit, and they will let you know. When you see a doctor, make sure they know just how much pain you have, so that they will give you the best possible care.

If surgery and loss of work is involved, your worker’s compensation will pay for all your medical bills, and will compensate you for missed time at work. Your company’s risk management team will help you to coordinate all your care and compensation.

Safety is very important when you are on the job, but accidents do happen, and it is good to know that you are covered just in case.