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What are workers' compensation benefits?

You've been working for several years in the same position. You suddenly realize that your repetitive motions each day have begun to cause pain and strain on your back. Now, you need to see a doctor. Fortunately, you should be covered by workers' compensation.

What are workers' compensation benefits?

When you get hurt and are an employee, you have the right to workers' compensation or to get compensation through your employer's private insurance coverage. Workers' compensation itself is a state-mandated program. If you are hurt at work, you can receive workers' compensation in most situations no matter why or how the accident occurred.

Aren't there limits to workers' compensation claims?

Sometimes, yes. For example, you could have workers' compensation claims denied if it's found that you intentionally caused an accident to injure yourself. Or, if you were purposefully violating the law or a workplace policy, that might make your claim null and void as well.

You may also find that the state may require drug or alcohol testing after you suffer an injury. If your test results show you were under the influence of drugs or alcohol when you got hurt, you may be denied workers' compensation. Your attorney can help if the test results are not accurate or if you have other concerns about the claim.

What does workers' compensation cover?

Workers' compensation covers incidental accidents, illnesses that are caused from exposure to hazards, chemicals or other issues in the workplace and other injuries.

If you think you have a claim, you can file one with your employer. Your attorney can help if your claim is denied and you feel you're entitled to compensation.

Source: FindLaw, "Workers' Comp Benefits Explained," accessed March 08, 2017

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