Saturday, September 17, 2011

10 Reasons to Make a Worker's Compensation Claim

Posted by Muhammad Ashraf at 5:28 AM
True, we may fantasize about taking a day or two off from work to play hooky, and enjoy time at the beach or the movies or somewhere more fun. When you suffer an injury on the job - whether a physical impairment following an accident or exposure to something toxic - you may end up losing time, which in turn could affect your home finances. If you are not aware of your rights with regards to Workman's Compensation, you definitely want to know if you qualify in the event of an injury and how it can help you in your situation. If you aren't sure that you should make a claim, here are some reasons why it may be necessary.
1) You may receive compensation for medical bills due to your work-related injury. If you are hurt on the job, filing a claim with Workman's Comp may cover any hospital stay or emergency room visit, and consequent doctor visits to treat your injury.
2) You may receive monetary compensation for lost work time. If you have to miss work because of an accident, this program allows you receive percentage of your pay so you don't have to worry about money.
3) Workman's Comp can cover the cost of equipment. Some work injuries are severe enough to land you in a wheelchair or on crutches. If so, this is covered.
4) You may receive benefits to take care of physical therapy. Appointments with a therapist and use of clinic facilities may also be covered here.
5) Workman's Comp doesn't just cover physical injuries. You may think you don't qualify for benefits if you haven't experienced physical damage like a broken arm or severe burn. In truth, this program assists employees who also fall ill due to a work-related event. This could include exposure to toxins or food poisoning, so long as your illness is connected to your job and your inability to perform it.
6) Compensation is given if you can't come back to work. If your injury does not allow you to return to your normal job, even after you've come back to work, Workman's Comp works in other ways. You may be able to make a claim to obtain training and education to handle another job at your company or elsewhere.
7) Compensation helps if you become disabled. If you are left with permanent damage, you may qualify for disability payments that come to you in lieu of your paycheck. Benefits will vary depending on the severity of your disability.
8) This program helps your family. Workman's Compensation exists so burdens are lifted while you are not working. You may not receive your full salary, but the benefits you get can put your mind at ease during this difficult time.
9) You can recuperate knowing that your expenses are covered. This program alleviates some stress so you don't have to worry about bills.
10) Lastly, it is your right to make a claim. If you have a legitimate claim to benefits, take advantage of it!
If you have questions about how your state's Workman's Comp program works, you may wish to speak to somebody in your human resources department or obtain the services of a personal injury attorney to assist you. Know your rights before you make your claim.
Kathryn Lively is a freelance writer specializing in articles on Virginia accident lawyers and Maryland accident lawyers.
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