Workers’ compensation is an important resource for employees who suffer work-related injuries or illnesses. This system provides medical benefits and financial assistance during their recovery.
There are several myths surrounding the workers’ compensation system and how it works. Dispelling these myths can prevent misunderstandings and misconceptions when filing a claim.
Myth 1: Worker’s compensation is only for serious injuries
One common misconception is that workers’ compensation only covers severe or catastrophic injuries sustained on the job. In reality, workers’ compensation benefits extend to a wide range of injuries and illnesses. These can include minor sprains, strains, repetitive stress injuries and occupational diseases.
Myth 2: Workers’ compensation claims lead to firing
Another myth is that filing a workers’ compensation claim will result in termination or retaliation from the employer. In most cases, employers cannot fire or retaliate against employees who seek workers’ compensation benefits. State laws typically provide protection for employees who exercise their right to file a workers’ compensation claim.
Myth 3: Workers’ compensation is a lengthy, complicated process
The workers’ compensation system is straightforward and efficient. Employees who suffer work-related injuries or illnesses can typically report their injuries to their employer and file a claim with the workers’ compensation insurance carrier. The process may involve medical evaluations, documentation of the injury and communication with the insurance company.
Myth 4: Workers’ compensation only covers medical expenses
Some individuals mistakenly believe that workers’ compensation benefits only cover medical expenses related to a work-related injury or illness. In addition to medical treatment and rehabilitation costs, workers’ compensation benefits may also include wage replacement payments for time missed from work due to the injury or illness. These wage replacement benefits, known as temporary disability benefits, help compensate employees for lost income while they are unable to work.
Those who get injured at work should file a claim for workers’ compensation benefits promptly. Delays can harm the likelihood of receiving benefits and may even result in a denial of the claim.