Injuries at work are relatively common. When they happen, injuries can have significant implications to the employee. An injury can lead to significant consequences like blindness, broken legs or hands, burnt skin, and even death. There are many causes of injuries at work. For example, you can fall when the offices are being cleaned. An object can fall on you or you can even be cut by sharp objects especially when you work in a factory. In this article, we will look at what you need to do when you are injured at work.
Why You Might Be Injured at Work
As mentioned, there are many reasons why you might be injured at work. If you work at a factory, the sharp objects you deal with can cut you. If you work in a farm, you can be bitten by a snake or another animal. If you are a truck driver, you could be involved in an accident. If you work in an office, you could fall or an object might fall on you. If you work in a laboratory, you could be affected by the chemicals that you deal with.
A work-related injury can have a major effect on your health. This means that it could cause irreparable damage to your life. It could also lead to high hospital bills. Further, it can also cause you to miss hours at work, which will affect your compensation.
What to Do When You are Injured at Work
When you are injured at work, the first thing you need to do is to notify your employer or supervisor about the situation. You should do this even when the injury you have suffered is not all that serious. Reporting the incident will help the company to rectify the situation and prevent other injuries in the future.
If you are injured, you have the right to get medication from the nearest or your preferred hospital. The hospital will help you get treated and get the care that you need.
If the injury insurance handles the claim, you will be fine. However, since insurance companies are not fond of paying claims, you may need to contact an injury lawyer, who will help you prosecute the case.
Work Injury Compensation
When this happens, you are not liable for making the payments to the hospital. Most companies in the United States are required to have workers’ compensation insurance. This helps them to reduce their liability when their employees have been injured. This is because, in some instances, the liability could be so much. For example, if an employee gets cancer that is linked to the work, the company could be forced to make the payments. All states in the United States except Texas mandate companies to have such insurance.
Type of Employee Covered in Work Injury Insurance
As mentioned, employers in most states are required to have work-related compensation insurance for their employees. As an employee, there are a few things that qualify you to these schemes. First, if you an undocumented worker, the insurance does not cover you. States that include undocumented immigrants are Arizona, California, and Texas.
Second, the benefits do not cover you if you are an independent contractor. For example, if you drive a car for Uber or Lyft, you don’t qualify. This is simply because you are not an employee of these companies.
Third, other examples of work that are not covered are seasonal workers, agricultural workers, and domestic workers.
Work injuries vary. When they do, these injuries could have serious implications for your health and your livelihood. As such, when starting work in a company, you need to read the contract carefully to ensure that your role is covered. Doing this will help you be more productive at work. It will also help you avoid the risk of working in a company that does not have such insurance.