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Workers compensation classification provides the general guidelines for who is covered by workers compensation, what type of injuries qualify an individual for workers comp, and the type of benefits one may be eligible to receive. Workers compensation is the means through which injured workers are compensated for injuries sustained on the job or as a result of their job. Every state and the federal government have laws which require most companies to purchase workers compensation insurance for their employees. In exchange for this coverage, employees (in most cases) are unable to sue their employer for damages incurred from a work related injury.
Workers compensation classification determines who is eligible for workers compensation benefits. Most all companies with more than three to five workers provide insurance for their employees. There are certain individuals under the workers compensation classification system that are exempt from coverage. Business owners, independent contractors, domestic employees, farm workers, maritime employees, railroad workers (covered under a separate law), unpaid volunteers, and casual workers may not be eligible for workers compensation benefits.
The workers compensation classification system also defines the types of injuries that are or are not covered by workers compensation insurance. Any injury or illness that is incurred as a result of an individuals work is usually covered by insurance. This can include accident injuries, repetitive stress injuries, and some long term injuries and diseases that are caused by work conditions. Under the workers compensation classification system there are injuries that are not covered by insurance. These include injuries that were sustained while the worker was intoxicated, committing a crime, or violating company policy. Self inflicted injuries and injuries suffered while not on the job are generally exempt from coverage as well.
The workers compensation classification system also defines in broad terms what benefits can be received when injured on the job. The system generally provides replacement income, medical expense coverage, and sometimes vocational rehabilitation benefits to employees regardless of who was at fault for the injury. In the case of permanent or fatal disability, employees may be eligible to receive permanent work disability or Social Security benefits.
The workers comp benefits that an employee is eligible for is largely predicated upon the report that a workers compensation doctor presents regarding the individuals state of health. In most cases the doctor that is used has been chosen by the employer, though in some cases, a worker has the right to see their own doctor.
It is important to keep in mind that each state has their own workers compensation classification system outlining the requirements and terms of workers compensation. The federal government has their own workers compensation classification system. If you have been injured on the job and have questions about workers compensation, you may wish to contact a workers compensation attorney who is familiar with the laws and regulations in your area.
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