Why It's Important to Understand Worker's Compensation and How It Works

work injury claim

There's a good chance that your worker's compensation policy is the policy you think the least about, but that doesn't mean it's not important. Because your employer has the legal responsibility to make sure that you, as their employee, are safe in their workplace, worker's compensation works in your favor to make sure you are compensated and receive the appropriate medical care, rehabilitation, and any lost wages because of the injury. While nobody wants this to happen, accidents can happen, which is why you need to be up to speed on the basics of worker's compensation and how it functions. Not sure where to begin? Jack J. Schmerling is here to bring you in on the know so you can be better prepared if the situation ever arises.

The Importance of Understanding Worker's Compensation
First and foremost, it's the law: many states require that you have worker's compensation. This also applies even if you have just one employee; to comply with the law, worker's compensation must be carried. However, carrying worker's compensation shouldn't be seen as a burden: it's what provides your coverage if you're eligible. In the case of an injury, you will be referred to an approved healthcare, who will fill out all necessary paperwork in order to file the claim. Once you receive compensation, you can have prescriptions filled at an approved pharmacy. It's important that the medical report is sent to all relevant parties, such as the employer, insurer, etc. The case will be investigated and documented, and if you are eligible for benefits, you'll receive payments.

When it comes to premiums, the National Council on Compensation Insurance, as well as the state's Compensation Insurance Rating Board determine what your premiums will be. Your payroll and other costs will be taken into consideration, as well as other factors such as your company's claims history.

Throughout the entire procedure, it is vital that you, as an employee, have a full understanding of your benefits and what your employer's responsibilities are, so that you receive the maximum benefits and compensation you deserve. For example, if you suffer an injury, your claim is filed with the insurance company, which will cover your medical/disability benefits. Barring a few limited categories, if your employer doesn't have worker's compensation insurance, they're subject to fines, criminal prosecution, and civil liability. Fully understanding the duties required and benefits you can receive is vital in protecting you to the full extent of the law.

Making Sure You're Properly Compensated

Do you feel you haven't received proper compensation from your employer? Unsure how to proceed with worker's compensation? Jack J. Schmerling, Attorney at Law has been defending the Greater Baltimore Metro Area, offering full and transparent assistance for all your worker's compensation rights. For a free consultation in Glen Burnie, call us today at (410) 988-4956

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