Understanding and creating a qualifying workers comp claim can be quite tricky. In fact, many of those potential claims go unfulfilled because the worker might not know if they qualify or not. So, it is not uncommon that worker might not even try. It can be hard to understand from time to time, so we’re going to make sense of it for you. An effective worker’s compensation claim can be the difference between a healthy recovery, or a lifetime of pain. So, let’s get to it.
Do I Have A Qualifying Workers Comp Claim? Understanding Requirements and Coverage
You must be a qualifying employee
Quite obviously, you must be an employee at the company in order to receive worker’s comp. But, not-so-obviously, the definition for a qualifying employee is not all encompassing. For instance, if your employer classifies you as an independent contractor you cannot receive these benefits. If you aren’t sure if that includes you, take a look at the type of tax forms you receive. A qualifying employee will receive a W2 form, while a contractor receives a 1099 tax form. If you’re still feeling unsure, you can always reach out to your employer and ask them.
What does workers compensation cover?
These benefits can potentially cover all types of treatment for your on the job injury. For instance, any doctor’s visits, tests, x-rays, exams, or so on, that you must take following a workplace injury are never out of pocket. So long as your claim is accepted, you will pay nothing out of pocket. Furthermore, if the injury requires— your claim can also cover any necessary physical therapy, surgery, or after care. If you have a qualifying workers comp claim that is accepted, any injury and aftermath is at no cost to you.
But, how do I know if my injury qualifies?
In many cases, people do not file a claim because they are not sure if worker’s comp will cover their injury. But, these benefits can cover nearly any job-related injury. No matter if the injury is due to a sudden accident, or the effect of a repetitive activity, you are entitled to compensation as long as you can prove that the damage occurred in, or as a result of, the workplace.
Ultimately, if you face an injury on the job— you should always file a claim
No one should have to pay for a workplace related injury out of pocket. If you have an injury as a result of your job, your best bet is to always file a claim. There is a statute on the amount of time you have to do so, so time is most definitely of the essence. If you’re curious as to whether you have a qualifying workers comp claim, reach out to a workers compensation lawyer. Some worker’s compensation lawyers will offer free legal advice over the phone— and we are one of them. If you’re in doubt and need to receive treatment, speak to a knowledgable and trustworthy source. We wish you luck as you navigate the world of worker’s compensation, and are here if you need us.