Hundreds of thousands of workers are injured on the job year after year. Unfortunately, not all of these injuries receive the best care. The employees who tend to receive the best care are the ones covered by worker’s compensation insurance. Worker’s compensation insurance is there to cover lost wages, medical bills, and just about anything else. Surprisingly, both workers and employers aren’t exactly sure about what worker’s compensation will and won’t do. Let’s take a look at a few of these misconceptions.
One of the biggest misconceptions is that worker’s compensation is there to cover any type of injury. Yes, worker’s compensation can cover practically any injury, but how the injury occurred is the big question. How was the worker injured on the job? A worker who’s hurt their back after lifting dozens of 50 pound boxes will likely be covered. On the other hand, a warehouse worker who injured themselves after horseplaying with another worker likely won’t be covered by worker’s compensation. This is something that can be discussed more with a worker’s compensation lawyer in Cecil County.
Some workers believe that their worker’s compensation claims will be granted just like that. Unfortunately, many worker’s compensation claims are denied the first time around. Why? Insurance companies are often wary of certain claims made by employees. Year after year insurance companies receive thousands of fraudulent claims made by employees. If you’re a worker with legitimate injuries, and your claim has been denied, consider speaking with a Worker’s Compensation Lawyer in Cecil County.
Workers aren’t the only ones with misconceptions about worker’s compensation. Many employers refrain from getting the insurance because they feel it’s too expensive or unnecessary. When you think about the financial loss you could face without coverage, worker’s compensation insurance is actually quite affordable. Worker’s compensation is even more affordable if the work environment is very safe and secure. A safer environment means lower premiums.
These are just a few of the misconceptions workers and employees have. Remember, worker’s compensation doesn’t cover frivolous incidents involving things like horseplaying or alcohol. You should also remember that initial claims may be denied. Visit the website to find more information about this insurance and what’s covered.