How Does Workers’ Comp Work?

By Author: arizonaima
Total Articles: 5
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Worker’s compensation law protects employees by giving them the right to receive benefits if they are injured or fall sick at work while executing duties related to their work. Whenever a worker is hurt or falls sick at work, it might take them some time before they can be declared fit and go back to their jobs.

Worker’s compensation law assures you that your rights are protected are you would receive compensation to cover up for any losses incurred. However, you should remember that worker’s compensation is a form of insurance coverage that employers take for their employees to ensure their employees are taken care of.

How does workers’ compensation work?
Whenever a person gets injured or falls sick while at work, s/he usually tries to seek medical attention without notifying their employers fearing loss of job. But many workers are not aware that workers’ compensation law ensures that employees are taken care of during their recovery period.

It is important that you know whether your employers are covered under workers’ compensation or not. Once you are injured at work, before you seek ...
... immediate medical attention, you should first inform your employer of the injury or illness, in writing.

In addition, when you seek medical attention, ensure that it is from a workers’ compensation doctor.

Workers Compensation Claims
During recovery, the employee has to file the claim within a defined time period. The claims are filed by filling out an application form. The insurance company will review your claim to either dispute or approve the claim. During this review period, the injured employee has to follow up with the doctor with respect to their treatment and therapy, before their return to work is approved.

Common workers’ compensation claims include –

• Overexertion
• Slip or Trip and Falls
• Fall to Lower Level
• Bodily Reaction
• Struck by Object or Contusion
• Struck Against an Object or Crush
• Highway Incident
• Machinery Accidents
• Repetitive Motion
• Workplace violence

Workers’ compensation doesn’t cover –

• Injuries caused by intoxication or drugs
• Self-inflicted injuries
• Injuries due to a fight started by the employee
• Injuries resulting from violation of company policy
• Felony-related injuries
• Injuries an employee suffers off the job
• Injuries claimed after an employee is terminated
• Injuries to an independent contractor

Workers Compensation Claims Benefits

Workers’ compensation provides you various benefits –

• Medical Insurance Cover
• Disability – Disability can be various types -
• Temporary Total disability
• Temporary Partial disability
• Permanent Total disability
• Permanent Partial disability
• Death
• Rehabilitation

Do not accept ‘no’ as an answer in your workers’ compensation case. If your claim has been denied or you think you haven’t got what you deserve, consult the best Arizona workers compensation doctors in Phoenix, AZ at Arizona Injury Medical Associates at 480-347-0941.