Getting hurt at the job can be painful in more ways than one. Not only is a person physically injured, but he or she can lose income due to the injury. What’s more, there can be medical bills to deal with. Fortunately, most employees today are covered by a program known as Worker’s Compensation.
Things began to change around 1911, when American states began adopting their own models of worker protection laws that had been put into place in England and Germany about 30 years earlier. Now states manage 55 different workers insurance programs, and most employers are required by law to possess such insurance.
While each program varies in some details, all are set up to provide monetary benefits to a worker whose injury or illness resulted from a job-related accident or from the conditions of employment. Examples of this could be someone who breaks a bone in a fall, some who loses hearing as the result of working in a noisy environment, or someone who suffers repetitive stress injury from a lot of typing.
If a worker is seriously injured or ill, worker’s compensation also will pay for vocational rehabilitation such as physical therapy or training for a different job. Some programs also pay workers for loss of future earnings, if the injury prevents them from continuing in a higher-paying occupation than they can pursue because of a disability. If a worker is killed on the job, the program pays funeral costs and survivors may receive benefits to replace the deceased’s lost wages.
If a worker is seriously injured or ill, worker’s compensation also will pay for vocational rehabilitation such as physical therapy or training for a different job. Some programs also pay workers for loss of future earnings, if the injury prevents them from continuing in a higher-paying occupation than they can pursue because of a disability. If a worker is killed on the job, the program pays funeral costs and survivors may receive benefits to replace the deceased’s lost wages.
If injured on the job, or made ill by toxins or working conditions, it’s important that workers report the injury and file worker’s compensation claims immediately. managers and supervisors should offer workers claims forms to fill out. it may also be wise to consult an attorney who specializes in worker’s compensation law, if the worker suspects the employer or the insurance company could challenge his or her claim.
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