If you ever get injured at work, you’re entitled to workers’ compensation. Workers’ comp is a form of insurance that every employer needs to have to cover their employees in case they get injured. Read on to learn more.
What is workers’ compensation?
As an employee, workers’ compensation is a form of insurance that your employer pays for to cover you and other employees in case you get injured on the job. In California, it’s a no-fault system, which means that you don’t need to prove that your employer was at fault for your injury to get benefits. In California, all types of employees are typically covered by workers’ compensation. This includes full-time, part-time, and temporary employees.
What are the benefits of workers’ compensation?
If you’re injured at work, you may access several different workers’ comp benefits, including medical care, income replacement, and vocational rehabilitation. This can be very helpful in helping you recover. For instance, you may be able to receive treatment for your injury, even if it’s not covered by your health insurance. You can also receive income replacement benefits if you’re unable to work while you recover. This can help you pay your bills while you’re out of work.
Also, if you’re hurt on the job, but not while doing your regular duties – for example, getting hit by a car while crossing the street to go to work, then a workers’ compensation claim might still apply.
What should you do first if you get injured at work?
If you’re hurt on the job, let your employer know immediately. If you’re able to do it, write down the specific details about your injury and give a copy of this information to someone at work who can help record what happened. Then, see a doctor as soon as possible. It’s important to have medical treatment for your injury right away because there are time limits on when you can file a claim or receive benefits.
Getting injured at work can be a scary experience. But, if it happens, know that you have rights and workers’ compensation is there to help.