Workers’ compensation has protected employed individuals for decades. Employers have to carry coverage to protect themselves from liability in case workers get hurt on the job or develop illnesses related to their employment. Companies generally don’t have to worry about lawsuits brought by injured or sickened employees because workers’ compensation coverage protects them from direct liability.
Employees with medical issues related to their jobs also benefit from workers’ compensation coverage. An injury that requires medical care may be eligible for medical benefits. If the worker needs to take time away from their job, change profession or cease working, the benefits available through workers’ compensation can supplement or replace their lost wages.
Sometimes, workers who are technically eligible for workers’ compensation benefits don’t file a claim. They may think that they are ineligible because they made a mistake on the job. What they may not realize is that fault doesn’t usually prevent them from seeking benefits.
Fault doesn’t ordinarily influence benefit eligibility
Contrary to what many people assume, proof of fault does not automatically prevent a worker from seeking benefits for an injury or illness. So long as there is a clear connection between the worker’s employment and their medical condition, they may be eligible for coverage regardless of what caused their malady. If a worker made a mistake while operating heavy machinery, they can still obtain workers’ compensation benefits for their treatment and their time away to recover.
If a worker caused a car crash while driving on the clock, workers’ compensation coverage may protect them when their own car insurance policy does not. Even when a company has clear proof that a worker made a mistake and caused their own injury, the employee is still likely eligible to receive benefits.
Complex claims may require support
An employee who knows their rights may seek benefits even if they contributed to the scenario that caused their injury. However, their employer might try to challenge their claim for benefits. People expecting a complex claims process due to disputes with their employers or unusual circumstances may require help. With the right support, an employee can focus on their recovery rather than on paperwork and negotiations.
Learning about workers’ compensation benefits and securing assistance when necessary can help employees limit personal losses after a job injury. Personal fault typically does not influence a worker’s right to benefits.