An injured employee can get medical treatment and regain part of their lost wages after a work-related injury. The workers’ compensation program offers protections to employees and employers, but there are responsibilities to consider as well. Read on for general information on work injury law in Glendale, AZ.
The Basics of Workers’ Comp
Workers’ compensation is an insurance program that protects workers after work-related injuries. The program is state-mandated, and jurisdictions establish rules for when employers must purchase the coverage. Employees benefit by getting medical care after an on-the-job illness or injury and receive a percentage of their wages while out of work. Workers’ comp is no-fault insurance, meaning the worker does not have to document the employer’s negligence. However, employees are generally prohibited from suing the company for their injuries.
Covered Workers
Every jurisdiction has its own rules for workers’ compensation insurance. Some require a minimum number of workers before the coverage is required, and others mandate companies of all sizes have the coverage. Certain employees are excluded, such as agricultural, seasonal, and domestic workers. If these people are injured at work, they may have a tort claim but cannot file for workers’ compensation.
Covered Risks
Workers’ comp is intended to compensate workers who are hurt on the job; however, some jurisdictions expand the definition to include work-related illnesses. Injuries do not have to be caused by one incident. For instance, a repetitive stress injury or a chemical exposure illness may trigger a claim. Employees do not necessarily have to be on the job to be covered; if they’re performing work-related tasks and are hurt, workers’ comp may cover them. Some jurisdictions allow companies to test workers for drug and alcohol use and hold them blameless if the employee fails. Workers’ comp does not cover intentional acts and self-inflicted injuries.
The Claims Process
Companies and workers have multiple obligations under workers’ compensation. Employers must carry the coverage, which can be obtained through self-insurance or an insurance agent. If an employer does not have the right coverage, they may face fines and a possible lawsuit. If a worker is injured on the job, they should consult a worker’s compensation attorney with Garrison Law Firm to learn about their legal rights work injury law in Glendale, AZ.
