Workers
Compensation
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Workers Compensation Information
An
injured worker is entitled to all reasonable and necessary medical care
resulting from his or her work-related injury. Although workers compensation
laws vary state to state, covered medical care generally includes: medical,
surgical and hospital services, dental services, crutches, hearing aids,
chiropractic treatment, physical therapy, nursing care, and prescribed medications.
The right to receive medical treatment at the employers expense typically
continues as long as treatment is reasonable and necessary to treat the
injury. State laws differ as to if and when the employee may choose his
or her own medical provider. It is important to understand your rights as
an injured worker under the workers compensation law of the state where
you are employed.
What
is Workers Compensation?
Workers' Compensation
is insurance that by law your employer is required to carry in case an employee
is injured on the job, becomes ill due to circumstances surrounding their
job or even if death results from their job. Benefits include medical expenses,
lost wages, vocational rehabilitation, and death benefits.
Workers' comp exists both as a way to benefit injured workers and as a way
to protect employers. Before workers' comp laws existed, serious injury
to an employee could bankrupt an employer due to the employee being able
to sue their employer. Workers' compensation is a no-fault insurance system.
Negligence on the part of workers or employers is not an issue in paying
benefits.
Who
is responsible for providing the benefits under the Workers' Compensation
Act?
By law the employer
is responsible for providing Workers' Compensation Insurance. In some instances
the employer provides benefits directly by being self-insured otherwise
the employer provides the benefit indirectly through a Workers' Compensation
insurance company. A worker cannot be charged for benefits provided or any
portion of their employer's Workers' Compensation insurance premium. Texas
is the only state that still allows private employers to choose whether
or not to maintain workers' compensation insurance.
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Compensation Attorney >>
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