Do small business owners need worker’s compensation?
Every employer must have worker’s compensation in all the States in America except Texas. Workers compensation is a program put forward by the government to protect the workers on payment upon an accident happening to them while at the job. The worker’s compensation assures the employees’ health expenses and a certain percentage of wages while still recovering from the injury. In a situation where there is an occurrence of death, the next of kin and the family can receive death benefits. Employees with questions or who are eligible for worker’s compensation can speak to Hudson County Personal Injury Attorney from the law offices of Anthony Carbone.
Workers compensation and how it works
Workers compensation is a program that assures payment to workers who receive injuries at work or job place. It is a special type of insurance that compensates victims of disabilities and injuries acquired due to employment. The insurance is a no-fault program as the employee does not need to be eligible for payment. Also, the employers are protected since they cannot be sued. Not all workers are covered in this worker’s compensation program. Examples are agricultural workers, undocumented workers, nannies, seasonal workers, and independent contractors. The insurance cover does not cover self-inflicted injuries or injuries obtained while breaking company rules and policies.
Small business owners vs. worker compensation
Apart from being mandatory by the government to have worker’s compensation, the program assures all health expenses are accounted for, and some wages are paid. The owner is also protected from any lawsuit against him due to the accident. Injuries can lead to severe consequences to one’s finances and health. Injury can lead to a permanent state that cannot perform any task, that is, a paralyzed person. Affected employees who cannot work for more than seven days due to their injury status can receive temporary disability benefits. Injured employees can receive these benefits till:
- They are fit to return to their normal job duties
- They reach full recovery
- There is no more expectation on improving in treatment
- When they have received a benefit worth four hundred weeks
Party responsible for workers compensation costs
The employer pays the sum needed as a worker’s compensation cost. This can be done by paying an insurance company, making payment to the injured worker, or paying premiums to a government body running the program. The majority of states in the country have allowed the acquiring of worker’s compensation from private insurance companies. Upon an injury to an employee, the insurer sends the compensation benefits via the employer.
For those employers who pay premiums to the government department dealing with worker’s compensation, the state department, in return, will deliver the workers’ compensation benefits. Self-insured employers pay the compensation directly to the employees.
Hiring a worker’s compensation lawyer depends on;
- The seriousness of the injury attained in the job,
- The complexity of the case you are dealing with, and
- The reaction from both the insurance company and the boss.
You might need an attorney when; your boss disagrees with your claims or refuses to pay compensation quickly, and if the compensation paid is not enough to cover all your lost wages and medical bills. You can contact the law offices of Anthony Carbone today to get benefits when fighting for your worker compensation.