If your employer is required to carry workers’ compensation insurance—which almost every employer is—you could be owed compensation if you were injured on the job. Read on to learn about which injuries are and aren’t covered by worker’s compensation and what steps you can take to file a claim.
The first thing you need to ask yourself if you’re considering filing a workers’ compensation claim is whether or not you’re actually an employee. Some businesses hire independent contractors rather than employees in an effort to withhold benefits. Employers will try to use their knowledge of the law to their own benefit, but the team at Lanzotti & Rau has a deep knowledge of the laws, and we can get you the compensation you’re entitled to.
As long as you’re an employee and not an independent contractor for a business, there’s a good chance that you’re covered by some sort of workers’ compensation policy that you should ask your employer about.
As long as you know the workers’ compensation policy your employer offers actually applies to you, the most important question to ask yourself is whether or not the injury was work-related. Generally, a work-related injury is any injury you incur while doing something related to your job. For the most part, this means injuries that occur while you’re actually at work, although there are certain exceptions. For example, if you travel somewhere besides work for a company event and are injured at said event, that injury will still be considered work related and would still be covered under your employer’s workers’ compensation policy.
However, you can’t consider injuries that occur at home to be work-related in many cases. If you wanted to make sure you’re making perfect cuts with your saw every time by practicing at home, the construction company that employs you can’t be held liable for your injuries.
Filing a workers’ compensation claim can be a bit overwhelming, especially if you recently suffered an injury. The team here at Lanzotti & Rau can help you figure out if your injury is covered and file a claim. Give us a call at (573) 335-9300 for consultation today.