Workers' Compensation Insurance - Before Workers' Comp. came about
there was no insurance coverage to protect an injured worker. An
injured worker is anyone who is employed and is injured on the job. It
will also cover an employee if he was hurt during his lunch hour, while
running an errand for the company. In the past employers were
responsible for the cost of all treatments and wage compensation. This
caused many employers to reluctantly not report the injury.
The worker also had to prove that the injury was
caused at work by an employers fault. Due to the amount of injured
workers per year and industrial accidents legislation had to make
provisions for the injured worker. It relieved the employer from being
liable except if there was negligence, and it also compensated the
employee for wage loss due to the injury, and medical coverage. This
coverage also includes rehabilitation to get the employee back to work.
There are two ordinances for Workers'
Compensation; Federal employees apply to the those working for the
government. State employees compensation are for state and private
businesses employers and employees, the laws vary from state to state.
When a worker is injured on the job, he must
report the incident to his supervisor and complete an incident report,
the employer will then send the employee to a clinic or hospital to be
treated. Once at the inpatient or outpatient facility the injured
worker will then need to complete another form as to whether this was
the first place of treating, all records are crucial for the
appointment. The employer and clinic will submit the reports to the
workers' compensation office and then an insurance claim adjuster would
be assigned to the case for review and approval, of medical care and
compensation. Each time the employee is seen by the assigned physician
or physical therapist a report will be sent to the Workers'
compensation adjuster, as to monitor the care. All states vary on the
time allowed to report and injury.
The worker may or may not be able to returned
to work as light duty, light duty restricted, partial disability, or
Insurance existing Work Comp