Anyone who is employed – especially in a high-risk job – has heard of workers’ compensation insurance or workers’ comp, but not everyone understands the coverage and benefits provided by it. Workers’ comp is insurance that protects businesses and their employees in the situation that an employee gets injured or ill while on the job.
How Workers’ Compensation Works
Like other insurances, workers’ comp is a way for people to be compensated for a loss. Car insurance pays for damages incurred in a vehicular accident, while workers’ comp pays for the financial loss incurred due to an injury or illness that happened on the job.
In order to get workers’ comp, you have to file a claim and see a medical doctor for an examination. The doctor will give you a thorough check-up, diagnose the problem, and recommend treatment. This information is critical in filing a workers’ comp claim as it helps determine if you are eligible for a claim and for exactly how much.
Worker’s Comp Protects Employees
Here are some instances that may qualify you for workers’ comp:
- If you incur an illness or injury in the process of carrying out your job responsibilities
- If your illness or injury is not a pre-existing condition
- If you suffer a fatal illness or injury at work, worker’s comp providers can pay out benefits to your family members
- If the illness or injury has prevented you from continuing your job, workers’ comp may cover rehabilitation and training expenses for another type of job within or outside the company that is more suitable for you
- If you miss work due to an illness or injury directly related to your job, workers’ comp may cover some of your lost wages
Worker’s Comp Protects Also Employers
Workers’ compensation also protects employers. In the event of a work-related illness or injury, an employer may be responsible for paying the employee significant damages, which can cripple the business financially. Workers’ comp allows employers to care for employees who are hurt on the job without facing financial difficulties. Providing insurance for workers is a legal requirement and non-compliance could lead to fines for the business.
Not all workers’ comp policies are the same. Some companies have partial policies while others have full coverage. Some states have slightly different laws and requirements when it comes to workers’ comp. It’s best to ask your company’s HR department about details on their workers’ compensation policy and what your state requires.
Treatment for Work-Related Illnesses and Injuries in Florida
Florida Sports Medicine & Orthopaedics is a leader in the diagnosis and treatment of employee illnesses and injuries. Dr. James Talkington is a certified expert medical advisor (EMA) for the state of Florida and is an expert at creating effective treatment plans and obtaining maximum medical improvement (MMI). Our goal is to get employees back on their feet as quickly as possible.
Dr. Talkington’s staff works closely with employees, adjusters, and nurse case managers to ensure information is shared with all appropriates parties as quickly as possible. We accept same-day appointments, hold evaluations and treatments promptly, process work status reports in a timely fashion, and complete DWC-25s within 24 hours of completing the employee’s exam.