Are You Eligbile to Make a Work Accident Claim?

Despite the increasing advances in technology towards safer and automated processes, work-related accidents do happen under varying circumstances. If you happen to find yourself in such a predicament through some unfortunate turn of events, you could be eligible to make a work accident claim. In a lot of states and countries, employers and business owners are legally responsible for the health and safety of their employees. This is especially true for the industries such as construction, mining, manufacturing plants, etc. where the chances of injury to an employee are higher. In the case of an injury due to a work accident, you can register a work accident claim with your employer. The eligibility criteria, amount of compensation, and such specifics may differ, but a general overview of the policy is as follows.

Eligibility for Compensation

Employers are legally responsible for the well-being of their employees and have to adhere to safety and health regulations to minimize any risk of work-related injuries to their employees. If an employee gets injured in the line of work, they’re eligible for a work accident claim. Work Accident Claim To file a work accident claim, your employer must have the workers comp policy, and you have to be employed by the employer in question i.e. independent contractors are not eligible for work accident compensations. Independent contractors don’t perform the regular business of the employer and may be hired for a single job or on a contract basis and are thus not covered by the work accident compensation policy.

Compensation Benefits

The workers’ compensation is designed to make up for lost wages in case of an inability to work due to a work accident. The benefits offered in the compensation policy may differ but generally, the benefits included in the policy are:

Medical Benefits

Employees are entitled to medical benefits under the compensation laws if their affliction is a consequence of their employment. Medical coverage is provided to the employees for the treatment of their illnesses or injuries without any cost-sharing on the employee’s part. The illnesses and the injuries covered under the compensation policy often aren’t the same for every employer, so it’s a good practice to review the policy before registering a claim.

Cash Benefits

For the time that a worker is unable to work due to a work accident, the employer may offer cash benefits to the employee to make up for lost wages. Cash benefits are often offered after a waiting period to keep most minor injuries out of the compensation system. The waiting period also helps in determining whether the disability caused by the accident is short-term, long-term, or permanent.

Disability Benefits

If the disability is permanent, the compensation offers disability benefits to the employees. Disability benefits are offered if the employee is unable to work at full earning capacity in their employment. This also includes the vocational rehabilitation programs for employees who are unable to perform the same duties as before their injuries and are designed to offer training in other suitable roles. Participation in such rehabilitation programs is generally voluntary. Disability benefits may vary in maximum duration from continuing for the duration of the disability up to the life of the employee depending on the nature of the disability. The duration of disability benefits may also be subject to age and total benefits received by the employee.

Survivors Benefits

In the case of an unfortunate accident that results in the death of an employee, the surviving members of their family may receive compensation from the employer. The dependents of the deceased are entitled to the survivors’ compensation, which is generally equal to the disability benefits in monetary terms. The benefits are intended to make up for lost wages and to support the dependents of the deceased. These benefits generally continue until the spouse remarries or the dependent children reach adulthood. The work accident claims are accepted if your affliction is a consequence of your job. It’s not necessary that only the accidents that took place at the workplace qualify for compensation. These claims are processed on a case-by-case basis, so it’s often a good practice to consult an advisor first.