WORKERS’ COMPENSATION INSURANCE
An injury or disease caused at the workplace can be a huge amount of money for the company or organization. In most circumstances an employee’s medical expenses, lost wages and rehabilitation costs should fall under the workers’ compensation insurance. Permanent partial and total disability are also be covered by the insurance.
Guidelines If an Employee Has Been Hurt At Her Workplace
If one is injured at work or develops an occupational disease, a notification to the employer is necessary. Knowledge about the company’s workers’ compensation insurance is a helpful tip that shall employees in such instances.
The employee should seek immediate treatment for the injury and inform the doctor that the accident/injury/disease took place on the job or in connection with the job. A workers comp attorneys Idaho can be of great assistance through the process of applying for the compensation.
Post the receipt of treatment, the employee should inform the employer in writing to receive the compensation benefits.
Types of Workers’ Compensation Benefits
The compensation benefits laws vary from state to state. The common benefits may include:
- Medical care
- Temporary or permanent disability
- Loss in wages
- Rehabilitation costs
- Educational assistance
- Death costs
If you have received such benefits from your company/employer, you no longer have the right to sue your employer for compensation in relation with the disease/injury. However, you are still at the liberty to file a lawsuit (with the help of workers’ comp attorney idaho) against other individuals involved in your injury. For instance, if you get ill due to the materials provided by a supplier’s products used for manufacturing your company’s commodities, you have the right to sue the supplier.
Workers’ Compensation for Federal Employees And Others
Employees of the Federal government, who work on nuclear, maritime or renewable resource related projects are covered under one of many Federal Workers’ Compensation Programs.
Federal employees and postal workers who have been involved in job-related injuries and diseases are covered under the Federal Employees Compensation Act.
US Department of Energy employees as well as predecessor agencies, their contractors and subcontractors who take ill as a result of working with atomic weapons are covered under the Energy Employees Occupational Illness Compensation Program Act.
Maritime workers are covered under the Longshore and Harbor Workers’ Compensation Act.
Miners who suffer from black lung disease are covered under the Black Lung Benefits Act.
Workers’ Compensation Fraud
This particular form of fraud is vocational in nature and can be committed by doctors, lawyers, insurance company employees and other claimants. This form of fraud can occur can occur in both the private and public sector.
This form of fraud is fraught with controversy with claimant supporters arguing that fraud by claimants is rare (as low as 0.33 of one percent). Others focus on the widely reported National Insurance Crime Bureau statistic which details such fraud has accounted for 7.2 Billion USD in unnecessary expenditure.
The Coalition Against Insurance Fraud claims that billions of dollars in false claims have been reported in the United States of America every year.