If you have been injured at work, it is going to cost you a lot more than your medical bills. You are going to likely miss time at work, lose out on paychecks, and perhaps be forced to find a different career if you cannot return to your job due to your injuries. Workers compensation is an insurance policy that employers are meant to have to cover your damages after you sustain an injury at work. Keep reading to learn more.
Who Gets Workers Compensation?
Most employees who suffer an injury while at work or within the scope of the workplace would be entitled to receive workers comp.
There are some exceptions such as in Texas which does not require employers to have workers comp insurance. Some employers can also show that they have enough money to provide adequate coverage equivalent to what workers comp would offer in order to not have to pay for the insurance.
If you are a full-time employee who gets hurt at work, you can likely file for workers comp. However, contract employees are not entitled to receive workers comp. They are exempt from the same benefits as full-time employees.
What Does Workers Compensation Cover?
This insurance exists mainly to cover your financial damages. The main damage that your workers comp will cover is your medical bills. It can also cover disability damages. If you are either temporarily or permanently unable to work, you will be able to receive coverage for these financial damages.
You will not be able to receive further damages such as punitive damages or pain and suffering. Pain and suffering are damages that are often recovered in a personal injury case. Punitive damages are also in cases of negligence meant to punish someone for malicious harm. Workers comp cases do not follow the same statutes. It is mostly meant to cover your financial expenses.
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