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Workers compensation insurance is required for almost all employers in the U.S. that have at least three employees. State and federal laws require that employers carry workers compensation insurance in order to protect employees injured or killed on the job or made ill by the conditions at their place of work. The benefits typically covered by workers compensation insurance are:
The amount of workers compensation insurance coverage is mandated by the state; thus, benefits do not vary between employers within the same state. The Texas and California workers compensation systems are two of the largest workes comp systems in the United States. The federal version of workers compensation insurance is provided for employees of the federal government, and others.
State and federal laws require that employers carry workers compensation insurance in order to provide for employees injured or killed on the job. Benefits provided to employees include a portion of workers compensation lost wages, medical bills, vocational rehabilitation, and death benefits. The amount of workers compensation insurance coverage is mandated by the state-benefits do not vary between companies within the same state, although workers compensation insurance policies in different states may not be similar.
The cost of a workers compensation insurance policy is the responsibility of the employer, who pays all premiums. When workers or their dependents file claims for workers compensation benefits, the insurance companies pay out the income and cover the cost of benefits. In this way, workers compensation insurance protects the employer from any other liability, and protects employees by providing benefits in the case of injury.
If an employer does not carry workers compensation insurance, or does not carry the required amount, the employer can be held responsible for the amount that would have been paid for by the workers compensation insurance companies. Additionally, employers may be subject to severe fines and even jail time for failing to carry a sufficient workers compensation insurance policy.
In the case of injury or death on the job site, employees should file a claim with the workers compensation insurance system in their state (or the federal government, for federal employees) as soon as possible. It is the legal duty of the employer to ensure that injured employees get the benefits to which they are entitled without delay. In cases of extreme negligence, workers compensation insurance may not protect the employer from litigation stemming from a job-related injury or death.
The cost of a workers compensation insurance policy is the responsibility of the employer, who pays all premiums. In the case that a workers compensation insurance claim is filed by an employee, the insuring company pays the required amount. In this way, workers compensation insurance protects the employer from any other liability, as well as protecting the employee by providing benefits in the case of injury. If an employer does not carry workers compensation insurance, or does not carry the required amount, then the employer can be held responsible for the amount that would have been paid for by the workers compensation insurance. Additionally, employees may be subject to severe fines and even jail time for failing to carry sufficient workers compensation insurance policy.
If your loved one was killed on the job or died due to conditions at his or her workplace, or if you have been injured or sickened in relation to your job, contact a law firm near you for help getting your workers compensation benefits. An attorney who specializes on handling workers compensation matters will maximize the likelihood of receiving benefits in a timely and effective manner. If you have been denied workers compensation benefits, an experienced attorney can help you with an appeal. For more information or to speak with a qualified workers compensation attorney, contact us today.
The specific requirements and availability of workers compensation insurance varies somewhat by state-in North Dakota, Washington, Ohio, Wyoming, and West Virginia, for instance, only the state can sell workers compensation insurance. In the remaining states, employers purchase the required workers compensation insurance either from various insurance companies or from a state compensation fund.
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