You probably already know that workers compensation covers injuries and diseases that might result from your job, but, when it comes time to claim, you will want to ensure that you know exactly what this type of insurance covers so that you do not get a nasty surprise once you have taken sick leave or paid off your medical expenses.
Injuries Caused "On the Job"
It is a well known fact that this insurance covers injuries that are obtained while you are at work, but did you know that it does not cover all injuries. According to the law in certain states, this compensation commission will only pay out when the injuries that were obtained were a result of the job itself. If you work in an auto shop and you got hit by a car on your lunch break, you might not get compensated for your injuries and this is why you need to know exactly what you are covered for and what you are not.
To find out what you are covered for, you can speak to the workers compensation branch in your area. You will need to describe your work environment and the type of job you are responsible for so that you can get an accurate description of the injuries that are covered and those that are not.
Occupational Diseases in the Work Place
Occupational diseases refer to those illnesses that are contracted as a direct result of your job. Asbestosis, an illness resulting from asbestos, is common among those that clean homes where this chemical is prevalent. In these instances, you can claim from your workers compensation for the work time lost and the medical expenses that were incurred as a direct result of your contact with this chemical. If you find that you have contracted an occupational disease and you would like to claim from the compensation commission, you will need to remember that you will have to prove that you have a disease that could have resulted from your work place.
Educating Yourself on Workers Compensation
It is important to take note of the injuries and illnesses that are covered by workers compensation so that you can claim, without any difficulties, in the event that you are injured or contract an illness as a direct result of your job. In order to claim successfully, you will need to ensure that you understand exactly what criteria needs to be met in order for an injury to be deemed as an "accident" within the work place, or you might end up losing work hours and paying for your medical bills yourself. Information regarding this type of insurance is available online and through a range of public forums to ensure that every employee is able to get their hands on the relevant information and use it to their advantage when the time comes to claim.
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