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Protecting workers against the costs that can be involved with workplace injuries is the role of worker's compensation insurance policies. Unfortunately, the workers that are protected by these policies may fail to fully understand this type of protection. In order to help you with protecting yourself against the costs of these incidents, there are some misleading myths that should be corrected.
Myth: Worker's Compensation Only Provides Coverage For Medical Costs
One of the more common assumptions that a worker will have about this type of protection is that it only covers the costs of their medical expenses. While these will be among the most devastating financial impacts of one of these injuries, workers may also worry about going without wages for a long time due to the need to recover. Fortunately, it is common for these policies to also provide individuals with at least partial wages. Furthermore, workers will often be allowed t return to work under a light duty plan so that they can earn their full pay without jeopardizing their recovery.
Myth: You Can Sue The Employer After Your Treatments Are Completed
It is not surprising that some individuals may want to pursue justice for their injuries. Often, these people may want to file a lawsuit against their employer for their injuries. However, you need to be aware of the fact that there are limits to this. For example, a worker will void their ability to file a lawsuit against their employer once they accept the settlement from the worker's compensation insurance carrier. If you are unsure as to whether you should consider filing a lawsuit, you should consult with an attorney prior to starting the process of filing one of these claims.
Myth: The Injury Must Have Occurred On The Business's Grounds To Be Covered Under The Workers Compensation Policy
The location where the injury occurred may seem as though it will be a major factor in one of these claims. However, it is a reality that many individuals will have to be dispatched away from the business. If one of these workers are injured onsite or during transit, they will still be covered under their worker's compensation policy. This is due to the fact that this coverage is tied to the worker fulfilling their job duties. It can be important for workers that are injured away from their home office to retain any documents about the incident as this will be necessary to prove that the injury was work-related.
Share5 February 2018