What is Workers Compensation?

January 10, 2017

Workers compensation is a state-manded insurance program that provides compensation to employees who suffer job-related injuries and illnesses. Each state has its own laws and programs for worker’s compensation, but in general, an employee can get benefits from a work-related illness or injury regardless of who was at fault – the employee, the employer, a co-worker, a customer, or some other third party.

Many times, these policies are filed and claims are awarded in exchange for people agreeing not to sue the company where they were injured. This provides an avenue for people to find financial recourse for lost income and expensive medical bills without potentially putting the company out of business. It is important that people understand that the amount of money awarded is going to depend on their income at the time of injury and the severity of medical expenses. This isn’t an easy process; however, it is a standard method for people to find financial help to replace lost income and pay for medical expenses. People who are injured on the job should consider contacting a professional for more information on worker’s compensation.

Option of Suing

If you are injured because of some reckless or intentional action on the part of your employer, you can bypass the workers’ compensation system and sue your employer in court for a full range of damages, including punitive damages, pain and suffering, and mental anguish. For this, it would be best to contact an attorney to help you in the legal process.

State laws vary, and not everyone is covered by workers’ compensation. Ultimately it’s an employers responsibility to provide coverage based on how many employees are present, what type of business it is, and what type of work the employees are doing. Second, every state excludes certain types of workers. These exclusions vary, but they often include farm workers, seasonal or casual workers, and domestic employees.

Questions about filing a personal injury lawsuit? Contact the team at Welcenbach Law Offices today.