As an employee of any company, it is to your advantage to know your rights regarding work injury compensation. The law has a section devoted to the protection workers and upholding their welfare within the boundaries of their employment. 

What Employees Should Know About Workers’ Compensation

1. Every Employee Has A Right To Compensation 

In the event that an employee is injured on-the-job or becomes unwell, his or her employer is legally bound to provide compensation for said grounds. This compensation is to serve as the first’s insurance, apart from any other type of security he or she may already be paying for with a different insurer, separately. 

2. The U.S. States Provide Worker’s Compensation Programs 

A percentage that employees pay for worker’s compensation is collected in each state. And these “collections” are re-allocated solely for every worker’s insurance, should any personal injury transpire. This is to ensure that the coverage for employee compensation passes the average standard, though this may differ per state.

At the same time, groups such as coal miners, federal employees, and others are provided with a separate and varying kind of remuneration

Alternately, employers are allowed to provide separate compensation premiums according to the company’s own regulations. 

3. Compensation Will NOT Applicable To ALL Incidences Of Injuries 

There are boundaries to what fall under employee compensation and what don’t. These are a form of protection for the employer against workers who file for claims out of spite and/or unlawfully claiming requests funding. 

The law regarding compensation will NOT cover the following: 

*self-inflicted injuries

*injuries incurred because of negligence towards company rules and policies

*injuries incurred while the employee is off-duty

*injuries incurred while the same employee commits a crime, or is an accomplice 

4. Suing For Compensation Has Limitations 

Although a worker’s compensation should be legally given to the employee in the incidence of injury and illness, and death benefits are to be transferred to the employee’s spouse and family, the act of suing may be permitted by the courts due to the following: 

*if the injury occurred because of work that is outside of the employee’s job description 

*if the injury was intentionally inflicted by the employer and/or an employer’s representative

5. Illnesses And Injuries Which May Be Considered Under The Worker’s Compensation Statute 

These illnesses and injuries must pass the 3rd guideline (and the 4th, should there be a need to escalate the claim into a case) without exception before this 5th step can be considered. 

*repetitive motion injuries, also known as Repetitive Strain Injuries (RSIs) – carpal tunnel syndrome, cubital tunnel syndrome, fascitis, myositis, neuropathic pain, tendonitis, tendonitis, etc. It is likely that the severity of these will be reviewed before they are approved or disapproved for compensation. 

*mental, emotional, and/or physical duress because of extended working hours and/or days, unhealthy work environment, and lack of employee support from the employer

*injuries that take place not during work hours but still within the scope of “company time” such as breaks, lunch breaks, after-clock-out meetings, company get-togethers, and programs for corporate social responsibility (i.e. drives and donations, outreach work, etc.)

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