Workers Comp Questions and Answers
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Each workplace is designed with safety measures in mind, aiming to keep workers safe and healthy. Despite our best efforts to work safely and effectively, accidents sometimes still happen. When an employee becomes injured on the job (at the workplace, at a job site, or even while transporting goods—as long as driving is part of the job description), they can file a workers’ compensation claim. These claims allow employees to receive a payout for missed wages on the grounds that the employee cannot hold the company liable for the injury.
Workers’ comp, also known as workers’ compensation, is a system that pays monetary benefits to workers who become injured, sick or disabled while at work or while performing their job-related duties. It is essentially a type of insurance that offers employees financial compensation for injuries, illnesses or disabilities sustained as a result of their employment. It is based on a ‘no fault’ system, and employees who accept workers’ compensation benefits waive the right to take legal action against their employer. Most compensation plans offer coverage of medical fees related to injuries incurred as a direct result of their job-related duties. It is important to note that workers’ compensation is not the same as unemployment benefits or disability insurance.
If you have become injured, sick or disabled due to your employment, it is important to know what questions to ask your doctor about workers’ compensation, including:
• What is workers’ comp?
• What kind of injuries qualify for workers’ compensation?
• What benefits can I receive from workers’ compensation?
• What should I do if I suffer an injury from work-related duties?
• What should I do if I suffer a work-related injury outside of the workplace?
• How do I file a workers’ compensation claim?
• What if the injury is my fault?
• Who qualifies to receive WC benefits in my state?
• What are my maximum benefits?
• When do my benefits end?
• What do I need to return to work?
• Do I need a workers’ compensation lawyer?
They should be able to answer all of these questions and elucidate them in a clear way that is easy to understand.
Including accidents and illnesses caused by exposure to work activities, materials, and equipment, most injuries that occur on the job are covered by workers’ comp insurance.
As soon as an employee suffers an occupational injury that is covered by workers’ comp insurance, it is incredibly important to act promptly: the employee has a limited number of days to report the incident and start collecting benefits.
As soon as it occurs, injured workers should report an occupational injury to their employer. The insurance provider could potentially deny the employee compensation benefits if there is a delay in filing the claim. In general, workers’ comp does not cover:
• Stress or other psychiatric disorders
• Self-inflicted injuries
• Injuries caused by fighting or horseplay
• Injuries incurred while committing a crime
• Injuries incurred while under the influence of alcohol or illicit substances
• Injuries incurred while violating company policies
If an employee is injured on the job, they should seek treatment right away, for any injury, even if it seems minor. This includes visiting the doctor immediately after a work-related accident or at the first sign of any symptoms that might be due to work duties or toxic exposure on the job.
If you have sustained an injury, illness or disability from a work-related incident, come to Eastside Urgent Care in Cincinnati, OH to start your workers’ compensation claim. Our kind and compassionate professionals are experienced in handling workers’ compensation claims and can help you not only with filing the claim, but also with addressing your injury or illness. Call us today or book an appointment, or visit our clinic conveniently located at 872 Ohio Pike, Cincinnati, OH 45245. Our office is open seven days a week: Monday to Friday from 9:00 AM to 7:30 PM, and Saturday & Sunday from 9:00 AM to 4:30 PM. We look forward to serving you! We serve patients from Cincinnati OH, Covedale OH, Delhi OH, St Bernard OH, Bridgetown North OH, and Elmwood Place OH.