If you’re a worker in the United States, you’re likely protected by workers’ compensation insurance. However, this is not always the case.
What is workers’ compensation insurance?
Workers’ compensation insurance is a type of insurance that provides benefits to workers who get injured or become ill as a result of their job.
There are two main types of workers’ compensation: state workers’ compensation and federal workers’ compensation. State workers’ compensation is regulated by each state, while federal workers’ compensation is regulated by the federal government. Workers’ compensation insurance typically covers medical expenses, income replacement and death benefits.
How does workers’ comp work?
If you’re injured or become ill because of your job, you can file a workers’ comp claim with your employer. However, the first step is to seek medical attention. Once you’ve been seen by a doctor, you’ll need to notify your employer of your injury or illness. Your employer will then file a workers’ compensation claim on your behalf.
If your workers’ compensation claim gets approved, you’ll receive benefits that will help cover your medical expenses and lost wages. In some cases, you may also be eligible for death benefits.
What if your employer refuses to file a workers’ compensation claim?
If your employer refuses to file a workers’ compensation claim on your behalf, you can file a claim with your state workers’ compensation board. As a resident of Minnesota, if you’re injured at work, you need to notify your employer within 30 days of the accident. Your employer then has up to 14 days to file a workers’ compensation claim with their insurance company. If your employer does not comply with these deadlines, you can file a workers’ compensation claim directly with the Minnesota Workers’ Compensation Court of Appeals. You may also be able to file a lawsuit against your employer.
When is workers’ compensation not available?
There are a few situations when workers’ compensation may not be available. For example, if you’re self-employed or if your employer doesn’t have workers’ compensation insurance, you won’t be eligible for benefits. Workers’ compensation also doesn’t cover injuries that happen outside of work, such as car accidents.
Ultimately, workers’ compensation is a vital safety net for workers in the United States. If you’re injured at work, be sure to follow the proper procedures for filing a claim.
