Companies who hire people to work at their facilities need to be covered by a workers compensation insurance company. It is the law in most states. When an employee is hurt on the job, he needs to be compensated for his doctor bills and for any time off. This is where the insurance company comes in.
For many companies this expense is quite a burden. It is expensive, and if you have an establishment like construction, where workers get hurt all of the time, the company rates will go up. Even if you have a restaurant, there are many slip and fall related accidents that happen in establishments where food and drinks are served. This causes rates to go up, as well.
Larger workers comp companies may have a Safety and Health Department. The inspectors of this department inspects the facilities of the company insured to see that they are complying with safety standards. If they are not, the rates could climb, as the danger of injury still exists.
When an employee gets hurt on the job, he should know his rights. If he does not, he should seek counsel. An attorney will usually not charge for his services until the lawsuit is settled. This could take a couple of years from the time of the injury or accident, depending on how bad it is, and how long the employee is seeing a doctor in this regard.
There are simple workers comp claims, and there are much more serious ones. And whether someone was watching what you do or not, it is always the fault of the employer. If you are doing something and your eyes are injured, the employer should have made you wear safety goggles. If you get dust in your lungs, your employer should have made you wear a filtering mask over your face. You need steel toed shoes to work in certain places. And back braces should be worn when you carry heavy items.
Because your injury was caused at work, the workers comp insurance company has to pay for all of it.
Some companies think that everything is fraud. They will think that the employee is faking his pain and just looking for money. Or they will think that the employee did his own injury on purpose. This is because so many fraudulent claims are happening that when someone is truthful about his injury, it is difficult to prove it.
It is always better to see an attorney when you are injured at work, at least if it is more than just a bandage and a half days work. You need to know what your rights are, and how to handle any requests the employer may have for you. And you need to let the doctor know how bad your pain is and what you are capable of before you return to work.
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