Going to work is something that almost everyone must do on a regular basis, and most people do not imagine that they will suffer a major injury the next time they go to the office. Sadly, this is a relatively common occurrence, and it can have far-reaching consequences for the employee. While worker's compensation insurance is a requirement for any business with hourly or salaried employees, these policies are highly complex and many workers do not fully understand them. As a result, you may need a couple of questions answered when considering your options.
Are You Reimbursed For The Medical Bills?
Some people may assume that they will have to pay for the resulting medical bills out of pocket. They may think that the insurance will reimburse them after the claim has been approved. Sadly, this would be extremely prohibitive to low-paid workers. Luckily, this is not how the system is designed to work.
Rather than paying for the care outright, your employer will provide you with the contact information for the insurance. You will give this to the medical provider, and they will file the appropriate paperwork. As long as your claim is approved, you will not need to pay any of these costs. Unfortunately, there is a chance that your claim will be denied, and if this happens, you should immediately seek experienced legal counsel from professionals, such as Law Offices of Anthony L Coviello LLC, before filing an appeal.
What If Your Employer Did Not Have An Insurance Policy?
While it is a legal requirement for employers to carry this type of insurance, there may be instances where they have been negligent in this respect. Whether it is failing to pay the monthly premiums or simply not buying the policy, if your employer does not have this coverage, you may assume that you will be unable to receive financial compensation for these expenses. Fortunately, this is not the case because you can file a civil lawsuit against your employer.
These lawsuits will allow you to receive compensation for lost wages, pain and suffering, disabilities, medical bills and future medical costs. While a lawsuit can take longer to provide compensation than an insurance claim, this may be the only option available for you to receive reimbursement for the injuries.
Worker's compensation insurance is a legal requirement for businesses, but most employees do not fully understand what these policies cover. Due to this lack of understanding, these people may not know how to protect their rights when they are needing to file a claim. Learning these common questions and answers will help you protect yourself if you have been injured on the job.