When doing a job, especially when you aren't on a work site that is particularly dangerous, like a clerk in a business office or as a gardener in a park, workers compensation is not something that may be on your mind a lot. But when something happens, an accident or workplace injury, then this topic quickly becomes important. But what should you do exactly? What are the steps to take when injured on the job?
The first thing to do of course is to remain calm and take care of the situation. If you are injured and require medical attention, then you should take care of that before anything else. Calling the emergency services and getting yourself to a hospital is the prudent course of action. You should always be seen by a doctor if you suspect anything may be wrong, and get a diagnosis by writing. This is especially important since you need proof of what kind of injury you sustained. Then, you should keep the bills for any medical expenses you may have, including the ambulance, emergency treatment, medications, and so on. This is also crucial since if; later on you file a claim and want reparation money through workers compensation for what happened; you need to have exact figures.
Once you are well enough to be on your feet and sent back home, then it's time to think about filing in a claim form. You should not wait for this step since the law includes deadlines. Workers compensation is strictly regulated by the State authorities and the rules are very specific on what should be done during the process. Your employer should be notified as soon as you're physically able to, and then the claim letter should be sent as early as you can. You need to include all the necessary documents in the initial paperwork to reduce the chances that it will be rejected. Be sure you inform yourself as to what you're covered for. Usually, you can get financial aid for your medical bills, your lost salary due to not being at work, and any other expenses directly related to the injury or workplace accident. Thanks to workers compensation, the employer has to cover you for these things as long as they occurred while directly related to your job description.
It's never fun to be in an accident, but at least if it happens while at work, you can rest assured that the financial part of the ordeal will be covered. This is true whether you're a construction worker, a fisherman or a clerk. Injuries can occur everywhere, regardless how dangerous your work environment is. That's why you need to have this basic information on what to do when these things happen, and how to handle the needed paperwork. That way if something does happen, you'll be prepared.
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