When you get hurt on the job, one of the first things you should look into is getting workers' compensation. Workers' compensation comes with several major benefits including being able to have your medical care covered, some of your lost wages replaced and have access to vocational rehabilitation if necessary.
People who suffer injuries on the job need to seek this coverage as soon as possible. There are time limits in place, so if you get hurt, make sure your employer is informed as soon as you can tell them. They should have the documents needed to start the First Report of Injury and to begin the claims process.
What happens if your employer doesn't carry workers' compensation?
The majority of employers in America do carry this important form of insurance. However, if your employer does not, then you may have to file a personal injury lawsuit against them to pursue the compensation you need.
Where can you get information about your employer's workers' compensation carrier?
If you ask your employer, they should be able to give you the contact information for the workers' compensation insurance company that they work with.
What should you do if you're offered a settlement after a workplace accident?
If you are offered a settlement after you're hurt on the job, don't be too quick to sign it. You should first make sure that it's a fair settlement and one that will cover the care you need. Your attorney will review it with you to help you determine if you should accept the settlement offered to you.