Worker’s Compensation: Helpful Tips To Ensure Claim is Honored

​Work-related accidents might happen anytime, anywhere, to anyone. Every employee must be knowledgeable of existing help in case of injuries occur. Worker's compensation is one aid to consider.

​What is Workers Compensation?
Worker’s compensation is what an employer and an employee agreed upon regarding the wage replacement and specific benefits that the employee will receive in case work-related accidents happen. 

Workers compensation covers cash, medical, social security and death benefits but these may vary depending on what was agreed upon by both parties.

Benefits of Worker’s Compensation

• Cash Benefits
  Cash benefits are not provided unless the employee who has been affected is unable to work for more than seven days. Computation of what to receive depends on the average wage earned in the previous year.
• Medical Benefits
  Necessary medical care related to the injury or illness is provided to the affected worker until recovery.  Coverage may vary depending on the agreement.
• Social Security Benefits
  These could be given to employees who become permanently disabled or become affected by an illness that will last for not less than a year.
• Death Benefits
  If a worker passed away due to a compensable injury, authorized beneficiaries are provided with cash benefits that are computed based on the wages of the deceased the year before the accident.

Tips To Claim Workers Compensation
To help claim the worker’s compensation, an employee must:

1. Report Injuries Immediately
An injured worker must immediately report what happened to the supervisor to start processing compensation if applicable. If marks of injuries heal, it would be difficult to prove that an accident has taken place.

2. File Claims Properly
Documentation is indeed significant to serve as evidence of injury and report made. Both the worker and the employer complete necessary documents.

3. Secure Own File Journal
Personal file journal is equally significant to serve as a reference. This could help check for possible inconsistencies with employer's records.

4. Seek Medical Care As Soon As Possible
Findings from a medical examination serve as substantial evidence that harm has taken place. These are also excellent proofs to show when the injury has taken place.

Wrapping-Up
Although a worker’s career is a significant part of his/her life, every employee must still prioritize his/her health. Everybody deserves to work in a safe environment and to receive benefits if accidents aren't entirely avoided. 

Prevent high costs from work-related injuries by getting worker’s compensation insurance. At Cornerstone Insurance Agency, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. To learn more about how we can help you, please contact our agency at (888) 661-8831 or Click Here to request a free quote.