If you have become sick or injured on the job, you may have heard that you can receive benefits through the workers compensation program. Here are a few facts about workers compensation to help you know if you are eligible.

What is workers comp?

Employers are required to maintain an insurance policy that will guarantee compensation to a worker should he or she become ill or be injured as a result of his or her employment. The regulations for this no-fault program vary from state to state, so it is wise to hire a good workers compensation attorney to determine if you have a legitimate case. Generally speaking, workers comp will prevent an employee from suing the employer for further money.

Am I always covered?

The answer, quite simply, is no. The employer is generally not under obligation to pay workers compensation if the employee chooses to be under the influence of illegal drugs or alcohol while on the job. If you are injured while not on the job, workers comp benefits do not apply. If you are engaging in illegal activities or violating clear company policies at the time of the injury, benefits may be denied.

How is workers comp different from Social Security Disability?

Social Security Disability benefits are only for those individuals who have been declared permanently unable to return to work. Workers comp will generally provide you with up to 2/3 of your income tax-free until you are able to return to the job. Also pays for medical bills and sometimes for any necessary vocational rehabilitation that may be necessary.

To make sure you are getting all of the benefits you deserve under your state's law, make sure to hire a good workers compensation attorney to help you navigate the process and cut through red tape.



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