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Worker Compensation is a benefit given to workers if they are injured while on the job and are unable to earn a paycheck during their recovery period. However, there are many myths and misconceptions about employee compensation that you need to be aware of if you are able to make a claim. Let’s look at the 5 most common misconceptions about employee compensation.
1) You are only entitled to workers’ compensation if your injury occurs on the construction site
While most employee compensation claims are made for injuries that occur at an employee’s primary workplace, not all work-related injuries can occur there. Many workers are injured while performing their job duties off-site. Such injuries are also entitled to employee compensation. For example, you can assert claims for damages if you injured yourself on the way to a professional appointment or a customer visit. You can even file a claim if you suffer an injury while attending a work-related conference. However, with a few exceptions, driving to and from your workplace is generally not considered a work-related activity.
2) Insurance companies can make employee compensation claims a tedious process, so why bother?
After hiring your employer for an accident at work, it is the insurer’s responsibility to conduct a damage investigation. Many insurance companies can make employee claims for damages a tedious process so you might be thinking why bother with the entire claims process. Note, however, that the insurance company has an obligation to investigate the claim after it is reported a claim. Deadlines must also be observed for the investigation. The best way to get around this is to get a competent one Workers Compensation Insurance Lawyer to process your complaint at the earliest.
3) The assertion of a claim for compensation by an employee can harm your employer
While most employers would prefer to file a minimal number of employee compensation claims, it is not right to believe that filing one claim could harm your employer. The whole purpose of employee compensation claims is to protect employees and their employers. It benefits workers as they receive replacement income. For employer, Workers’ compensation insurance also protects your company as it helps companies comply with state laws. It also helps employers reduce the likelihood of an employee filing a work-related injury lawsuit and covers company employees for legitimate illness or injury caused while working for the company.
4) You should be a full-time employee to be eligible for employee compensation
It is a mistake that fixed-term workers believe that they have to be full-time in order to be eligible for employee compensation. According to one report, the likelihood of injuries to temporary workers ranged between 36% to 72% more than the likelihood of injuries to non-temporary workers. But that is not the case. They just have to be on your employer’s payroll. As a freelancer, seasonal worker, or even part-time worker, you may be entitled to employee compensation if you have an accident while working.
5) You can be fired for filing an employee compensation claim
It is illegal for an employer to fire an employee who is exercising their right to seek compensation from an employee. Even if filing a lawsuit does not protect your job because you are still subject to the same termination rules as if you were unharmed, you are also not at increased risk of being terminated.
In summary
Every worker should have a thorough knowledge of workers’ compensation insurance. This article will help you overcome common misconceptions about this type of insurance. If you need clarification, contact your HR department for more information.
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