Workers’ Compensation

Who pays workers’ compensation benefits?
Workers’ compensation insurance companies sell policies to employers, who are required to carry coverage for their employees. Businesses with 3 or fewer employees may not be legally required to carry workers’ compensation.

When an injury occurs on the job, the insurance company must hold up its contractual obligations and pay out worker’s compensation benefits. When valid claims are denied, an experienced workers’ compensation attorney can help the insurance companies pay what’s fair.

If I was injured at work, what benefits am I entitled to receive?
You may be entitled to collect workers’ compensation benefits that replace lost income, pay a portion or all medical expenses, and possibly reimburse vocational rehabilitation costs. If your injury is serious enough that you are unable to return to work, you can receive two-thirds of your average wage up to a fixed ceiling.

Are all on-the-job injuries covered by workers’ compensation?
Most workers’ compensation policies allow for a wide range of injuries to be compensated. Coverage may also be denied in the following instances

  • employee drug or alcohol intoxication
  • self-inflicted injuries
  • injuries suffered while a worker was committing a serious crime
  • injuries suffered while an employee was not on the job
  • injuries suffered when an employee’s conduct violated company policy

Do I have to be injured at my workplace to be covered by workers’ compensation?
No. If you were injured while performing a job-related activity, regardless of where it occurred, you may be eligible to receive benefits.

Does workers’ compensation cover illness and injury?
Sudden accidental injuries that occur on the job are almost always covered in worker’s compensation policies. Injuries that develop over time, as a result of certain job related activities, may be eligible for worker’s compensation coverage, such as carpal tunnel syndrome, or back problems. Generally, any injury or illness sustained while performing job duties should warrant coverage. Talk to your attorney to find out if your illness or injury should be covered and your employer or insurance provider is denying benefits.

Who is entitled to receive workers’ compensation benefits?
Any employee, in a company with 3 or more workers, should qualify for workers’ compensation. Worker’s who may not qualify can include business owners, independent contractors, casual workers, domestic employees, farm workers, maritime workers, volunteers, or railroad employees. Check with Dewey, Ramsay & Hunt, PA to find out if you are eligible for benefits.