Determining Workers Compensation Eligibility

A job-related injury or illness is something you would not like to happen. Great thing is that workers’ compensation coverage is mandatory to most employers. So it is your responsibility to make sure that your employer has you covered. As a worker, you must be properly informed to your advantage.
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There are a lot of factors to be considered in determining workers’ compensation eligibility. State laws may vary but there are consistent principles that are being followed. Let's take a look at the highlights of these eligibility requirements.

You Must Be Aware Of Your Employment Status
You must be fully aware of your status to avoid misclassifications and future problems. Employers sometimes intentionally misclassify their employees to get lower taxes or even to pay lower insurance premiums. Thus, you should be vigilant about your employer-employee relationship status and other relevant matters about your employment such as the benefits and even the risks you might be exposed to.

Your Employer Carries Workers Compensation Insurance
It is the employer's sole responsibility to provide workers compensation coverage to their employees. However, some employers may avoid having coverage for their workers for some financial reasons. If your employer has no workers compensation insurance, you may have to take future civil lawsuits against them.

Your Injury Or Illness Must Be Work-Related
If the performance of a task in the workplace results in injury or illness, then you should be covered. Benefits provided generally include medical coverage and financial assistance in cases of disability, rehabilitation, or even death.

You Must Meet Deadlines
Guidelines also include meeting the deadlines for reporting as prescribed by your state. If a work-related accident claim was not filed on time, you may not receive your right to the benefit. So be sure to know the laws and guidelines of workers’ compensation insurance in your state.

Conclusion
Employees bring profit to companies and it is just right that they are properly compensated. An injury in the workplace is not only a burden to the employer but also the employee involved. In general, workers’ compensation insurance is beneficial to both employee and employer. But at the end of the day, what is important is the safety of employees in any type of work environment.

At CSIS Insurance Services, Inc., we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (888) 501-2747 or Click Here to request a free quote.