All federal employees are entitled to seek workers’ compensation under the Federal Employment Compensation Act (FECA). A Virginia workers’ comp lawyer assists the victims of workplace injuries in seeking fair amounts of compensation.
Workers’ compensation helps in recovering the expenses incurred due to the treatment of workplace injuries. It covers all the workers who suffer sickness or injuries during the job. It involves death benefits, disability benefits, recovery of lost wages, medical expenses, lawsuits, etc.
If you file a claim for Workers’ compensation, you will be covered for the following things:
If an accident occurs at a workplace, the employee’s immediate care charges like ambulance rides and ER visit costs will be covered by workers’ compensation insurance.
This helps pay for surgical procedures, medicines, hospital stays, and other hospital bills.
Under this insurance, the bills of ongoing medication, diagnosis and other tests, emergency room visits, doctor visitations, and rehabilitation charges are covered.
The suffering employees also get medical treatment regardless of the claim acceptance. They can also claim the expenses incurred in traveling to the hospital to get their injuries treated.
The cost of tests like MRI, x-ray, or ultrasound used for diagnosing the victims and assessing the extent of the injury is also included in workers’ compensation claims.
Lost wages due to the injury
Severe injuries can forestall the employee from returning to work for a long time. The workers’ compensation claim helps to reimburse the wages lost by the injured employee during the recovery process. It pays for the loss of income caused due to workplace injuries or occupational illnesses.
Compensation for deadly injuries
There are a lot of instances where the damage experienced by an employee is so much that it ultimately leads to their death. The workers’ compensation claim pays death benefits to the deceased employee in case of fatal workplace injuries. The claim covers the costs of the funeral and burial of the victim. Along with that, it provides financial support to the family members of the employee. The beneficiaries appointed by the deceased worker will receive the compensation amount.
If the injured employee decides to sue the establishment for causing the injury, the workers’ compensation claim covers the legal costs incurred by the victim. The claim helps pay the charges for the attorney hired by the victim. Along with that, it also reimburses the court-related expenses and the money spent on negotiating settlements.
When your employee suffers a work-related injury or illness, there are several steps you need to take to file a workers’ compensation claim and verify your benefits.
How does the workers’ compensation claim process work?
After a workplace injury or work-related illness, there is a limited amount of time to report the injury and file a claim. Failure to do so may result in denial of workers’ compensation insurance.
Employers should therefore train their employees to report workplace injuries. As an employer, you are generally responsible for providing your workers’ compensation insurance, but you first need to gather details and documents about the incident.
When you learn of an employee’s injury, your first step is to seek medical attention from your employer. To go through the claim process you will need:
Provide the employee with adequate documentation of the date, time, location, and circumstances of the injury.
Properly interview witnesses and include their statements in supporting documents.
Submit the completed form and claim documents to the insurer.
If possible, make an initial report of the injury to the State Workers’ Compensation Board.
Workers’ compensation laws vary by state, so check your state’s laws and deadlines.
Step 5 Submit an employee application
Although the workers’ compensation claim process may seem complicated, it can be broken down into five basic steps.
1. Employee reports injury.
As an employer, remember that if your employees become ill or injured at work, they must notify you as soon as possible. Generally, an injured worker must provide written notice, and most states set deadlines for reporting injuries. For example, New York requires an employer to give notice within 30 days, while other states allow employees to report an injury for a year or more.
Various injuries can qualify, such as falling on a wet office floor and breaking your hand or developing carpal tunnel syndrome from repetitive typing.
Some injuries may require emergency room or ambulance treatment. Others need to see a doctor for diagnosis and treatment. Depending on the state and insurer, an employee may need emergency care from a health care provider that is part of the insurance network in order to receive benefits.
Employees with chronic injuries or illnesses such as mesothelioma (asbestos exposure) must report the illness immediately.