In case you have been injured at the workplace, workers’ compensation will cover all your medical expenses and wages. Not only this, it also prevents the liability of the employer. Hence, this insurance works for both employees and employers at the same time. All you have to do is to get in touch with a good Richmond workers’ compensation attorney, who has enough experience and expertise in this field. Using his knowledge, he can help you obtain the maximum compensation.
Workers’ comp program for employees
In order to cover medical expenses and losses for employees, the employer must have workers’ compensation insurance according to the state’s laws and guidelines. This program works as per the following steps:
An employee receives a workplace injury
To receive the benefits, the employee must have a work-related injury. These benefits apply to those employees, who got injured while performing their assigned jobs and duties. If he receives them after he has completed his job, he will not get any compensation. For instance, if a security guard receives an injury after the shift while playing sports on the office campus, he will not get any workers’ comp benefits.
The employee receives the medical attention
After the employee gets injured at work, he needs to see a health care provider immediately. In case, he fails to do so, he will not receive any benefits. All of these expenses will be reimbursed if the insurance company approves the claim. However, the employee has to submit medical reports to prove that his injuries were work-related.
The employer files the claim after the employee reports the injury
It is mandatory for the employee to report the injury to his seniors immediately. He can do so by sending an email to the human resource department, his boss or team leader. After this, the employer will send him a claim form to be filled out. All details pertaining to the accident should be included such as the date, time, place and description of the accident. Apart from this, he also needs to mention his injuries.
The insurance company assesses the claim
After the employer submits the claim along with the supporting documents to the insurance company, the insurer reviews it. Proper investigation will be performed and based on the outcome; the insurance company may approve or reject the claim.
If you find any difficulty in filing the claim, you can get in touch with a workers’ compensation attorney.