Injuries are unfortunate and not good. But when you have an injury due to or at work, then you are entitled to compensation from your employer. There are different aspects and types of work-related injury and their insurance claims. Here’s all the information you need to know about making a claim at work. ~ Ed.
Looking back, have you ever been in a position where you should have filed an insurance claim but didn’t?
Workplace injuries are a very serious issue and there are, unfortunately, employers who will skirt safety laws and jeopardize their workers’ safety to save a few dollars.
Thankfully, there are measures that are in place to protect workers and help them get the compensation they need in case of an injury, but they must be willing to take that step and use this feature.
Did you know that many workers are unlikely to file an insurance claim at work due to either not knowing they can, or due to fear of repercussions? It is important to note that you cannot lose your job or be threatened in the workplace for filing an insurance claim.
What can you claim insurance wise?
Getting injured at work is the first and the largest reason to file an insurance claim. Medical expenses and loss of wages due to not being able to work are other important things that you should claim from your workplace. Any mental suffering or trauma caused by your workplace can also be claimed.
Finally, if you are laid off at work, and meet certain criteria, you are entitled to the unemployment insurance within the company.
Here are five times that you should have made a claim at work but didn’t.
An Overview of Contents
5 Cases to Make a Claim From Work
You can always make a claim from work if you have an accident at work or suffered mental trauma due to work-related injury. Here’s more that you need to know.
A Work-Related Injury
Work injuries are an unfortunate reality for some careers. Some job sites are incredibly unsafe and others, while they have been made safe by the employer, still result in a freak accident.
From an insurance standpoint, these types of claims are called third-party claims. If you are involved in an accident at work, you are entitled to compensation and these third party claims, along with a possible court case.
If this injury was caused due to negligence on behalf of the company and it can be proven, there is a high chance you will win a lawsuit and be awarded a large sum of money.
When you get injured at work, the company will be looking out for themselves, therefore you need to do what is best for you and evaluate the circumstances and the situation that caused you to get injured.
What constitutes a work injury? Any injury that occurs within your workplace or occurred while doing your job is a work-related injury. For example, if you are a contractor and driving from one job site to another and get involved in a car accident, this is technically considered to be a work-related injury.
If you are ever unsure about your injury, talk to a lawyer or attorney who will help to provide advice and steps to take to ensure you are taken care of. File a claim if you have a work-related injury.
So, you’ve unfortunately gotten injured at work and now have to go for medical treatments. Depending on the country you live in, this process can be extremely expensive. Did you know that you can create a claim for these expenses and have your company pay for them?
When you go to your doctor and they ask about your injury, it is important that you inform them that this is a work-related injury. The doctors will then produce paperwork and file the necessary information to help you get this money back. Make sure to claim all your medical costs as these can get quite expensive.
Did you know that if you miss time due to an injury or occurrence at work you are entitled to receive payment for the loss of wages?
Many people think that a claim starts and ends at covering the medical end, but if you are missing a week of work due to a work-related injury, you are entitled to receive a percentage of that money.
People are afraid of getting hurt at work because they cannot afford to miss out on money. Document all the time you have missed and present it to a lawyer; they can help create a claim to get you the money you are owed.
Physical injuries can often create deep mental fears that linger for the future. People become scared or traumatized to do certain actions or are not mentally the same after a workplace injury. Once again, many people do not know you claim this, but it most certainly can be.
If you are mentally suffering due to a workplace incident, go to a doctor or psychiatrist and get the support you need and from there, look to claim mental damages because of what has happened. Don’t suffer in silence, make a claim from work.
If your company lays you off and you are without work, you are entitled to unemployment insurance that you have been paying into. If you meet a certain set of criteria depending on the area you are in, you are entitled to checks to help you out during this time period.
While it is not as good as working, this money can make a huge difference, especially if you are struggling to get by. Many people do not know that they can claim unemployment from their work, but you most certainly can and it is highly recommended.
Look for an attorney or lawyer to help you with all the necessary information. Make the claim and collect the money you are owed.
Wrapping It Up
People don’t think about claiming insurance at work, but it is an absolutely essential thing for your personal safety and financial safety.
If you are injured at work, make sure they are covering your medical costs, the time you’ve lost, and any mental trauma you have suffered. If you are laid off, make sure that you are collecting the unemployment insurance you are owed.
Hopefully, all of this never happens to you, but if it does, make sure you know what steps to take.
Over to you
Have you ever suffered from a work-related injury? Did you make a claim from work? Share your tips and experiences in the comments.
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