(Newswire.net — November 18, 2022) — No one ever plans on getting injured on the job, but it happens more often than you might think. If you’re unsure whether or not you need workers’ compensation insurance, here are seven times when you do. Workers’ comp can help cover medical expenses and lost wages if you’re injured while working, so it’s essential to have coverage in case something happens. Read on for more info on when to get
1. When You’re Injured on the Job
If you’re injured while working, you’ll need workers’ compensation insurance to help cover your medical expenses and lost wages. Workers’ comp can help pay for doctor’s visits, hospital stays, physical therapy, and other necessary medical treatments. It can also help replace a portion of your lost income if you cannot work while you recover from your injuries.
2. When You Have a Pre-Existing Condition
If you have a pre-existing condition aggravated or worsened by your job, you may be qualified for employee comp benefits. For instance, in case you have an existing back condition that is made worse by lifting heavy objects at work, you may be able to get workers’ comp benefits.
3. When You Get Sick from Your Job
You may be qualified for employee compensation benefits if you get sick because of your job. For example, if you develop an illness from exposure to hazardous materials at work, you can receive workers’ comp benefits. In some cases, you may also be able to receive benefits if you get sick from stress or other work-related conditions.
4. When You’re Involved in a Work-Related Accident
Accidents can happen anywhere, but if you’re involved in a work-related accident, you may be able to get workers’ comp benefits. Workers’ comp can help pay for your hospital bills and lost wages if you’re injured in a workplace accident.
5. When You’re Harassed at Work
Harassment is never okay, but unfortunately, it happens in the workplace more often than you might think. If you’re being harassed at work, you may be able to get workers’ comp benefits. Workers’ comp can help you cover the cost of therapy or other treatments you may need due to the harassment.
6. When You’re Fired from Your Job
Another common cause of workers’ compensation claims is wrongful termination. If you’re fired from your job, you may be able to get workers’ comp benefits. Despite many states’ at-will employment laws, there are still some protections for wrongfully terminated workers. Therefore, if you think you’ve been wrongfully terminated, you must speak to an attorney about your options.
7. When You Quit Your Job
In some cases, you may be able to get workers’ comp benefits even if you quit your job. For instance, if you quit because you’re being harassed at work, you may be able to receive benefits. In addition, if you quit because of a work-related illness or injury, you may also be eligible for benefits.
These are just a few examples of when you may need to use workers’ compensation insurance. You must speak to an attorney about your rights if you’re ever injured or become ill because of your job. Workers’ compensation laws can be complex, so it’s vital to have an experienced attorney on your side.