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What is the importance of workers' compensation?

  • 09
  • June

Workers' compensation is supposed to be there for people who are injured on the job. It's a very important insurance that is required of most employers. Those who do not carry the state insurance may have their own private policies. If they have no policies, then the employer is in violation of the law.

Workers' compensation protects workers in almost every field. Whether you're working in an office or constructing a building, you deserve that extra safety net of knowing that you can be compensated if you're hurt on the job.

It's important to realize that there are some people who are not able to receive workers' compensation. Freelance workers, or independent contractors, are not employees and do not qualify for this compensation if they are injured. Those parties have to seek compensation through other means unless they can show that they were categorized as independent contractors incorrectly.

For a business, the point of workers' compensation is to protect it against lawsuits. Workers' compensation kicks in to pay medical bills and lost wages, but in exchange, the employee may not sue the employer. Overall, workers' compensation saves time and costs by paying the employee what he or she needs while also protecting the employer from unnecessary litigation.

If you're hurt on the job, you should be able to receive workers' compensation. You can make a claim by speaking with your employer. If he or she refuses to file the claim, your attorney can help you address the problem and file a claim directly. Refusing your claim is not legal and can get your employer in trouble with the law.

Source: Linked In, "The Importance of Having Workers' Compensation Insurance," Candy Messer, accessed June 09, 2017

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