All 50 states have what is called workers compensation laws which are basically a type of insurance that is provided by an employer that provides medical benefits and loss of wage replacement for an employee injured while employed on the job. Actually, if you want to get down to the nuts and bolts of what workers comp really does, it’s a “trade-off” between employer and employee wherein the employee agrees to relinquish filing any legal action or any other legal recourse in exchange for the employer providing medical benefits and so on.
However, there are some general damages not usually included in the work compensation parachute, like pain and suffering, and punitive damages for employer negligence; Ergo, negligence ceases to become, for the most part, an issue. Now that you know the basics of what is or is not on the workers comp money table, let’s dig a bit deeper to see what else you need to know if injured on any job.
Once you choose to file a workers compensation claim, you have no idea what you’re getting into, in terms of legal ramifications, and paperwork; lots and lots of paperwork. There are certain procedures to be followed when a worker/employee has been injured on the job or dies in a work-related accident. So one of the first things you need to know is what your state workers comp laws are because they vary from state-to-state. Then if you have a book handy on common sense, check for the section that says: Houston Personal Injury Lawyers and set up an appointment, if for nothing more that making sure your compensation is agreeable, and all of your rights are protected.
The employer is protected by an insurance carrier that provides the funds to cover the cost of paying works comp benefits to their employees. Much like health insurance and life insurance, there are those who specialize in this type of insurance coverage. You should also know that in most, but not all states, the size of the business and number of employees will determine whether workers comp is justified or not.