Workers Comp is a form of insurance employers are required to carry in certain circumstances. Employees that get injured while performing tasks that are part of their job description or that they are asked to do outside their job description are usually covered with worker’s compensation. Workers Comp in Minneapolis is designed to help people who get injured on the job with their financial and medical needs. Here are some things you need to know about worker’s compensation insurance and benefits.
What is covered under workers comp?
Injuries and illnesses caused by conditions in the workplace are covered under workers comp. Some exemptions may apply and each case will be different. Since this coverage is state-mandated, the state governs the basics of its own workers comp system beyond the federal laws.
How does workers comp protect the employer?
The benefits obtained through workers compensation insurance provided by an employer prevents lawsuits. In other words, the employee gets the benefits in lieu of suing the employer over an accident or injury incurred while working.
What does workers comp cover?
Depending on your case, you may receive compensation for not only your medical and hospital bills, but also around two-thirds of your salary in disability payments as well. Other compensation may include retraining and rehabilitation.
Is every employee covered under workers comp?
Not all employees that work for an employer are covered by workers comp insurance. Each state has different laws regarding the guidelines of Workers Comp in Minneapolis coverage. Some things that affect coverage include how many people the business employs, the type of business, and the status of the employees. For instance, seasonal, temporary, or part-time employees are not commonly covered under workers compensation.
These are only a few of the basics about workers comp you need to know in case you are injured or become ill due to your job or any task you do for an employer. Lunch and breaks may not be covered under the state guidelines. It is wise to seek advice from an attorney about these instances. You will probably be able to get a free consultation with Malone & Atchison where you will find out if you have a case if you are denied benefits or if your work conditions warrant it.
