By: Kim Hemphry
About the Author:
Kim Hemphry is a passionate expert in the areas of Legal Matters, learning and education. She has been featured on over 50 leading Legal and education sites and is a modern thought leader in the field. More about her interests and articles on her site – http://kimhemphry.com/.
Workers compensation is a legal requirement for all employers in the United States. It provides employees who are injured on the job with benefits to cover medical treatment and lost wages, as well as some other benefits. A workers compensation claim can provide you with more than just monetary relief; it may also give you peace of mind that your employer will be looking out for your best interests at work.
Personal Injury and Workers Compensation Lawyers Perth are among the country’s top legal entities to help you win this legal process. The advantage of seeking legal services from these lawyers is that they don’t charge their clients if they fail to win.
Five Amazing Benefits of Workers Compensation Claim
1) It covers all medical expenses
The biggest benefit of a workers compensation claim is that it provides you with free access to health care. Injuries sustained on the job may require expensive treatment, and without this insurance, your financial situation could quickly become dire. The treatment may be provided by your regular doctor or a specialist and usually involves surgery; if you require ongoing medical care such as physical therapy, this is also covered. If you can’t work because of the injury for more than seven days (in some states), then your employer must continue to pay full compensation benefits to cover both lost wages and future income until the end of your employment contract.
2) It covers your job loss
If you cannot work because of the injury, through no fault of your own, you will be entitled to receive full compensation benefits until the end of your contract. This includes payment for any vacation days or sick leave used before this incident and future paid time off. If you don’t have a contract with your employer, they must provide payment in line with what other employees earn doing similar jobs and keep all employment rights intact (such as seniority).
In addition to income coverage during periods when you can’t work due to an on-the-job accident, workers comp insurance also provides supplemental benefits if someone else can take care of tasks such as laundry or shopping while you recover from surgery.
3) It protects you from being fired
Usually, employers are prohibited by law from firing or laying off workers for filing a claim after an accident. If the employer does lay someone off because of filing a claim, they will be subject to legal consequences. This includes losing their right to make future claims for employees who were let go solely because of this incident.
Similarly, your insurance provider cannot drop you as a client if there’s even one missed payment due to extended time away from work recovering; it is illegal in most states for providers to refuse coverage based on pre-existing conditions or other factors that don’t relate directly to eligibility requirements (such as income).
4) It covers your legal fees
Workers comp will cover all legal expenses if you need to file a lawsuit against the employer or insurance company because of an on-the-job injury. This includes any court filing and attorney costs associated with seeking compensation for lost wages (and other related losses). If you are forced to hire private counsel due to delays in processing your claim or some other issue with your insurer, reimbursement is also covered under this policy.
5) It covers your dependents
If you are the sole source of income for your family, then workers comp will extend benefits to cover them in case of an on-the-job injury. This insurance ensures that if you don’t make it home alive or die shortly after treatment begins (within 30 days), your dependents can still afford necessities like food and clothes without having to take out a loan.
Your insurer must provide enough funds to allow one person in your household (usually a spouse) at least $15,000 per month until all eligible claims have been resolved; any remaining balance goes directly into trust accounts established by law for children under 18 years old.
The benefits of workers compensation claims are too great to ignore. This insurance covers all medical expenses, lost wages, and legal fees; if you’re injured on the job, make sure to file a claim right away for your protection