Unfortunately for anyone, accidents can happen anytime, anywhere, and to anyone. No matter how careful you can be, no matter how much you protect your environment, tragedy can still find its way into your life in order to simply disrupt it. Knowing this, employers have taken into consideration the fact that accidents can also occur in one’s own workplace and for them to fully protect themselves against any lawsuits, it has been mandatory for business owners to provide workers’ compensation insurance for their employees.
If you’re the employee and you want to find out how you can properly claim your workers’ compensation in order to find resources to cover your damages, here’s how you can do just that:
- Ensure that you are working for an employer who has provided for workers’ compensation insurance
Generally speaking, every employer should be covering for their employees whether or not the occupation they’re subjected to may be physically exhausting. A simple slip in the workplace is almost equivalent to major accidents as it still poses a risk to someone’s life. Confirm that you are indeed covered by workers’ compensation insurance and if not, then it may be vital for you to file a personal injury claim with the help of an effective and experienced attorney.
- Ensure that you have indeed sustained a qualifying injury
Workers’ compensation insurance cannot be easily obtained just because you have obtained an injury. Certain criteria still have to be considered such as:
- You obtained the injury at your workplace
- You obtained the injury while doing work-related tasks
- You were not under any influence when you obtained your injury (not drunk, nor high)
- You injury still falls within the statute of limitations
If you have obtained your injuries while doing non-work-related tasks such as while you are taking a break, or it has gone past the statute of limitations, then it’s quite impossible for you to properly claim a workers’ compensation.
- Report to your supervisor regarding the injuries you have attained
Reporting your injury is the second-best thing that you could ever do in order for you to properly file for a worker’s compensation. Through this way, your supervisor or employer can immediately give you the forms that you should fill out in order for you to write all the details of what led to your injury. This form then shall be reported up to the upper management or the human resource personnel who will then handle your case in order to process your compensation. Reporting your injury more than one week since the day that you have obtained it can certainly raise some eyebrows and disprove your believability, therefore, report the accident immediately.
- Collect all shreds of evidence that can help support your claim
In order to fully take into account how much you should be compensated for the injuries that you have suffered, certain shreds of evidence such as:
- photos of your injuries
- medical report
- hospital bills
- list of medications prescribed by your doctor
All of these can help you make your claim more solid and believable for your employer who’s going to provide the compensation.
By following these vital steps, you will surely obtain the compensation that you deserve in order to cover the costs that go along with addressing your injury. Make sure that you’re always aware of your rights to know when you’re or when you’re not well-protected.
Vicki is a law writing enthusiast who’s had over 25 years of experience in her field. She enjoys sharing her experiences with those who wants to learn more about the legal world, and hopes her pieces could help her readers expand their horizons. In her spare time, she spends quality time with her family and friends.