Both employers and employees should understand workers’ compensation laws in the state they reside and work as a matter of importance. Workers’ compensation insurance assists in protecting businesses and their workers from financial loss when a staff member gets sick because of a work-related matter or becomes injured on the job.
Workers’ compensation is also referred to as workman’s comp and is designed to assist in protecting workers from potentially shattering costs associated with work-related injuries. In addition, it assists in protecting employers from possible damages that could crush a business because workers’ compensation claims.
Filing a Workers’ Compensation Claim
It is essential to file workers’ comp claim as soon as possible. A workplace illness or injury should be reported if:
• The injured individual is employed to your business
• Your worker became sick as a result of his or her work
• The worker gets injured in the workplace.
• The worker becomes injured due to job-related activities
Ensure your worker receives the appropriate medical treatment if he or she gets injured on the job. If it is needed, take him or her to the emergency room or call an ambulance. If time off from work is necessary to recover from the injury or illness, the request should be approved.
Before a claim is filed, you will need to collect lots of information. The particular information that will be needed can vary based on the state. However, some general details an employee and employer might need to include when a claim is being filed include:
• Information about the company like location, policy number and account number.
• Information on injured employee like name, address, date of birth, phone number, age and Social Security number.
• Incident details like type of injury, date of incident, cause of the injury, body parts injured, approximate number of days the worker will lose and expected date of return.
When the required information is collected, the claim should be filed with the insurance provider as soon as possible. This method can differ based on the state in which the business operates. Different states could impose a period in which business owners must report the issue to the workers’ compensation insurance company. For example, New York requires that reports are to be filed within a 30-day period.
Workers’ Comp Association
A Workers’ Comp Association strives to give its members the most recent information associated with employment-related issues such as legal trends, state legislation, up-to-date medical treatment alternatives, updates regarding Workers’ Compensation Court and national trends. Typically, monthly luncheons are held which involve inviting workers’ compensation professionals to inform members on the relevant issues. In addition, an annual conference fosters an atmosphere of community and provides educational opportunities within the industry.
The mission of the workers comp association is to deliver the most up-to-date education and information to workers’ compensation experts in the state. In addition, the association encourages the building professional relationships and networking within the industry to further the compensation profession of workers across all disciplines.
For more information, take a look at https://www.arawc.org.