Workers compensation is insurance coverage provided by employers to cover any medical expenses or lost wages associated with injuries that occur in the workplace. Most people think that workers compensation is pretty straight-forward. However, there are many things about it that people do not commonly know. Let us take a closer look at five things you probably didn't know about workers comp.
Volunteers Are Not Always Covered
Volunteers are known as unwarranted employees which means they do not have to be covered by workers comp insurance. However, if an employer wishes to purchase coverage for volunteers, they may. It is at the discretion of each employer whether or not this type of coverage is available.
Denials Can Sometimes Be Reversed
There are several reasons why a claim may be denied. These reasons include:
the injury did not happen at work
the injury was pre-existing
a dispute whether the injury is real
However, contrary to popular belief, denials can sometimes be reversed. To have a denial reversed, one must file an appeal, as well as seek the professional assistance of an attorney. It may end up being hard work, but it could pay off in the long run.
Pre-existing Conditions May Be Covered
Most commonly employees do not think that pre-existing injuries or conditions make them eligible for workers comp. Treatment for pre-existing injuries and conditions made worse by performing a job duty are indeed covered, as well as any necessary medical rehabilitation.
Workers Comp Is a No-fault Program
The injury may be the fault of the employee in question. Even if that is the case, workers comp can still cover that employee. There are specific exceptions in place to eliminate coverage of injuries and conditions caused by intentional acts.
Payments Cannot Stop Without Prior Notice
Once a claim is approved and workers comp benefits begin, they cannot be stopped without prior notification to the recipient. There are only two ways that benefits can stop without notice. These ways are if a recipient returns to work or if he/she signs a Supplemental Agreement. The only other way benefits can be stopped is if the judge deems the recipient no longer entitled.
Workers compensation seems clear-cut and straightforward at first glance, but there are many things about the program that many workers do not even realize. If you have to file a claim, consider seeking the assistance of an attorney to ensure that you receive what you deserve.