You get injured on the job, and you’re uncertain whether you’ll ever be able to work again. Maybe you had a major debacle in the workplace and broke a bone. Workers’ compensation covers you until you’re capable of working again, providing a set income to mitigate the loss of income you receive from not being able to work. When an employee accepts workers’ comp, they also relinquish their right to sue over the situation that led to their injuries.
Do You Need Coverage?
You might not need to purchase workers’ compensation insurance if your business is smaller than a certain size. Only actual employees, as opposed to contractors, are covered under this type of business insurance. An employee has to determine whether they’re eligible for workers’ compensation by looking through three major criteria:
- The business does carry workers’ compensation.
- You have to be a current employee of the business.
- The injury must have occurred in the workplace.
If you’re an employee, and not a sub-contractor, you probably have full coverage under workers’ compensation. This lessens your worry if you get injured and can’t come in while you recover. Each state has its own laws that govern the workers’ compensation program, so checking into your state specific laws when you move is an important step in the process.
Some special groups exist that are exempt from receiving workers’ compensation. Employees who are hired by a household and work within a home most of the time are not eligible for workers’ compensation. Other exceptions to the rule include temp agency workers, agricultural and farm workers, seasonal workers and undocumented workers. If you’re in one of these groups, you aren’t going to receive workers’ compensation and nothing your boss can do will really fix that. Workers’ compensation is helpful for getting back on your feet and relaxing during the mending process, but that doesn’t mean you’re going to get behind on your work. The healthier you are, the more likely you’ll be able to keep up with the activity levels from before any business trouble.
Give us a call at 800-766-4478 to find out more about northwest Indiana workers’ compensation insurance and whether you qualify for these payments.