Top Things to Know about Workers Compensation Insurance
In New York and many states, employers must provide workers’ compensation insurance for their workers. This benefit is paid to workers who get injured or become ill due to their work.
Employees who get hurt are often in the dark regarding workers’ compensation. If you're in this category, here are the top things you should know.
Report work injury or illness.
It's crucial to notify your employers of any work injury or illness in writing as soon as possible. As an injured worker, there's a very short window to let your employer be aware of your injury.
While some states say you should do so immediately, others have a specific deadline. In New York, your employer has to be aware 30 days after your injury. Alabama gives you five days, while the deadline is 30 days after the injury in Florida.
Late reporting of injuries might result in claims denial.
You can't be penalized.
It's common for employers to penalize injured workers for filing a workers’ compensation claim. This is known as retaliation and often comes in the form of termination, pay cut, demotion, unwarranted discipline, etc.
In all states, there are laws prohibiting employers from such actions, ensuring that employees' rights are protected.
Reach out to professionals.
It might be challenging to prove that some injuries or illnesses relate to work, making it easy for the employer to reject the claims. There are other reasons for claims refusal, such as not reporting before the deadline, mistakes made during claim filing, etc.
If your workers’ compensation claim has been denied or delayed, you should reach out to a compensation attorney for help. As professionals, they'll be able to protect your rights and help you get your benefits.
Use an approved provider.
Employers often require that you visit certain hospitals, clinics, or doctors to receive medical treatment.
These providers are insurance-approved. In an emergency, you may have to go where the ambulance decides to take you and later request a transfer. If you have a choice, it's best to get treatment from a provider your employer tells you to go.
Inform the doctor your injury is work-related.
Always let the doctor treating you or the hospital know that your injury is work-related. When filling out the forms, there's often a space or box you should tick to indicate that your injury is work-related.
This way, your medical bill gets sent to the insurance company or your employer. Otherwise, the hospital will send the bill to you.
As an employer, you already know how important it is for your business to get workers’ compensation insurance. However, you still have to get the right one for your business. For personalized service that protects you and your workers, contact Joyce Insurance today.