Work-Related Injuries: How Much Are You Entitled To?

The law mandates that employers should carry Workers Compensation for their employees. This policy protects the employer and employees’ rights when an injury is sustained in an accident that took place at work. The injured worker is compensated for medical treatment and lost wages. 
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It is important to protect the wellbeing of both the employees and their employers. Finding a balance is critical for both sides. The safety and security practices in the workplace aims to keep workers healthy and protected from any risks. In addition, employers are required to instate a work compensation for their employees when:

• The company or business has four or more employees
• If working in the construction industry
• When you are an independent contractor

Scope and Limitations of Compensations 
In some states in the US, the workers’ compensation is basically in the form of wage replacement. The amount of the compensation depends on the magnitude of injury sustained. It is no need to prove who was at fault in the accident, it just has to be a work-related injury.

A disability compensation can cost as much as 100 percent of the average weekly wage. There are three types of benefits:

• Temporary Total Disability = 2/3 of average wage before the injury
• Temporary Partial Disability = 80% of the wage difference before and after the injury
• Impairment Benefits = pays for any permanent disability resulting from the injury
  
  

If the disability lasted less than 22 days, compensations only begin on the 8th day until the last day. But in case the disability lasted more than 21 days, the injured worker may receive benefits dating back from day 1 of the disability.

Restrictions
The company or employer is entitled to select an authorized doctor to administer the treatment. In some states, the employer also has no legal obligation to keep the job available for the injured worker for as long as he could finally return for work.

It is also stated in the law that there is no coverage required for mental or nervous injuries from stress, fright or excitement. There are not claims for work-related mental, emotional or psychological conditions that may have caused a worker to fear or dislike another individual.

Other cases where injuries that may not be compensated are the following:

• Willful intention to injure or kill himself or others
• Injuries sustained from being under the influence or intoxication

Employers must work hand-in-hand with their employees to be able to guarantee that safety guidelines are enforced in the workplace. Ask your most trusted provider for a Workers Compensation Insurance today. At CSIS Insurance Services, Inc., we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. 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.