The US workers’ compensation system is a set of laws that outlines the benefits available to injured workers, and the methods by which those benefits can be obtained. Every state has different laws, and there are special rules for federal employees and workers in certain industries. Under most states’ laws, all businesses must have workers’ compensation insurance. Filing a workers’ compensation claim is done in much the same way as with an insurance plan, and it’s not a lawsuit but a request for certain benefits.
Effects and Purposes of Workers’ Compensation Laws
These laws are intended to give injured employees certain monetary awards without the employee being forced to bring legal action, and it provides a safety net for those who are hurt on the job. Most laws provide workers and employees with protection by limiting recovery amounts and by barring injured workers from suing co-workers.
Scope of Coverage
Workers’ compensation varies by occupation and by location. For instance, some states don’t cover certain categories such as domestic workers, contractors and farm workers. Other states only require coverage if a company employs a set number of workers. Claimants should consider that even if they’re not covered under workers’ compensation, they may be able to file a civil claim.
Civil Suits vs. Workers’ Compensation Claims
Workers’ compensation is viewed as a substitute for legal action against an employer. In lieu of bringing a lawsuit, the injured worker gets certain benefits no matter who caused the injury. Before workers’ compensation laws, employees were forced to sue for compensation, but now most workers automatically receive coverage. Even if a person files a claim, they may still be able to sue if their injuries were caused by someone other than the employer, or by a defective piece of equipment.
The workers’ compensation system offers employees a way to be compensated for injuries suffered on the job. However, it can still be complex, especially if a person has severe injuries. If a person’s workers’ compensation claim is denied, or if they aren’t compensated properly, they may need legal help from Swartzculleton.com. In most cases, an injured worker can get a free consultation and claim review.
