What to Know About Workers’ Compensation Coverage

If you’ve been injured at work, then you may already know that you deserve workers’ compensation. Some employees are afraid to report an injury and make a claim for benefits. Some believe they may be denied or that their business won’t carry coverage. Here are some facts that you should know about workers’ compensation.

Large and Small Businesses Carry Coverage

Large companies are not the only ones that have to carry coverage. There is a misconception that smaller businesses are not required to carry it. The truth is that most businesses have to have workers’ compensation coverage. Each state has its own rules for how many employees a business must have in order to need workers’ compensation. In most states, five or more employees requires workers’ compensation coverage.

Employees Can Receive Benefits When Injured Elsewhere

It’s not true that employees only receive benefits if they are injured while at work. As long as an employee is performing his or her job duties, then he or she is eligible for workers’ compensation. One major example involves traveling for business. If you were on your way to meet a client and happen to be in an accident, then this could be classified as a work-related injury.

One thing to keep in mind is that you cannot receive workers’ compensation for injuries occurred on your way to and from work. During these hours, you are not technically on the clock and cannot claim an accident. However, if you are not traveling to and from work, then you can report the injuries.

Workers’ Compensation Claims Should Be Filed Quickly

It might be tempting to wait before you report your injury. For instance, say that you pulled a muscle while lifting boxes and believe that resting up for a couple days will solve the problem. Sometimes, you may have more than a small injury that heals up in a couple of days. It’s hard to determine how bad your injury is going to be at the time that it happens. This is why it is crucial that you report it right away. If you wait too long to report it, then that could be used against you when you file a claim.

If you have a workers’ compensation claim, don’t assume it will be denied. If you are worried about your claim, set up an appointment with a workers’ compensation lawyer in Wytheville, Virginia. He or she will guide you through the process and help you to build your case for benefits.



Thanks to The Law Offices of Mark T. Hurt for their insight into workers compensation and coverage.