Understanding Workers’ Compensation Law

Workplace injuries are fairly common, and the cost of these accidents cost companies and businesses billions of dollars each year. Your workplace has probably dealt with a workers compensation claim at some point, and if they haven’t yet, they probably will.

The key to understanding workers’ compensation law is as simple as understanding one thing: Employees want to avoid lawsuits that could cost them a lot of money and in some case shut them down. If an employee gets injured, the workers compensation acts as insurance against that; it pays medical bills and missed work costs so that the employee doesn’t have to take the claim to court.

Of course, like any law, there is more to workers compensation law than just that, but that is the basic principle.

Workers’ compensation law basically follows a “no fault” rule that means they have to give workers’ comp benefits no matter who is responsible for the accident. There are instances where this rule may be waived; for example if an employee injures himself because of excessive drug or alcohol use, or if they cause the injury themselves, they are not eligible to file a claim. Hurting yourself while not at work generally takes away your right to file a claim, as does having an accident while you are committing a crime. The exact rules of workers’ compensation law differs from state to state, so you’ll need to check your state’s law to find information on whether or not your particular injury is covered.

In some states, certain kinds of employees are not eligible for workers’ compensation. Volunteers, domestic servants, contractors, farmers, or consultants may fall into the category of not qualifying for benefits. If you only work part time, you may not qualify either. So you should check with your employer or your attorney if you are unsure, especially if you have a particularly dangerous job where you may be more likely to hurt yourself. A farmer for example has a lot of potential to injure himself on the job; not being covered under workers’ compensation law can be devastating in the event of an accident that keeps him from working. Always make sure you have a plan in case something tragic was to happen and you can’t work.

Workers’ compensation law doesn’t have to be hard to understand, but you should always know your rights before you have an accident.

This information is provided by Washington Injury Attorney blog, a service of The Farber Law Group. We represent people who have been seriously injured in on-the-job-accidents and the family of those killed.

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Contact The Farber Law Group at 1-800-244-9087 or attorney@hgfarber.com to schedule a free and confidential case evaluation. We have offices in Bellevue to assist you.