Many workers may hold the misconception that receiving compensation for workplace injuries involves suing your employer for being negligent. While there are some cases that may necessitate taking legal action against an employer, most do not.
A workers’ compensation claim is actually an insurance claim, not a legal action.
Workers' compensation insurance is a state-mandated type of insurance purchased by employers to help cover certain work-related injuries and illnesses. Every individual state has its own workers' compensation insurance program.
So, if you develop an injury or illness due to working conditions, workers’ comp may be available to you — without causing any animosity between you and your employer. In fact, in most of these cases, injured employees can receive workers' compensation no matter which party was at fault for the injury.
These cases are also generally settled outside of court and are meant to allow a victim to recover without suffering through the financial expensive of medical costs and lost wages.
The steps to begin the workers' compensation process are fairly straight forward and involve speaking with an attorney to determine your eligibility for compensation.
If you have suffered a work-related injury, consult with a lawyer to discuss whether this insurance coverage can help you.