© Copyright Acquisition International 2025 - All Rights Reserved.

Article Image - What Exactly is Workers’ Compensation and How is it Paid Out?
Posted 11th August 2022

What Exactly is Workers’ Compensation and How is it Paid Out?

When you get injured in a workplace accident, it can be hard to keep getting up every day and attending to your duties normally. The good news is that you may be eligible to collect medical bills and lost wages if you suffer a workplace injury or illness, regardless of fault.

Mouse Scroll AnimationScroll to keep reading

Let us help promote your business to a wider following.

What Exactly is Workers’ Compensation and How is it Paid Out?
Building site

When you get injured in a workplace accident, it can be hard to keep getting up every day and attending to your duties normally.

The good news is that you may be eligible to collect medical bills and lost wages if you suffer a workplace injury or illness, regardless of fault. 

These benefits are often outlined under the workers’ compensation program. But what is it, and how do you collect the benefits you deserve? 

Here is everything you need to know about workers’ compensation, including how it works. 

 

What is Workers’ Compensation?

Workers’ compensation is a state-mandated insurance program that provides benefits to employees who are injured or become ill in the scope of their job.

Benefits offered under this program often include medical expenses, income replacement, and death benefits to the employee’s family. 

Before receiving workers’ comp benefits after an injury or illness, an employee must file a workers’ comp claim. In other words, they must prove that the injury or illness is related to their work.

If the employer or their insurer refuses to pay on-the-job injury claims, the case may go to trial for the judge to decide.

 

Filing a Workers’ Compensation Claim

If you’ve suffered an injury on the job, there are certain steps you need to take to file a successful workers’ compensation claim. These often include:

 
Get Medical Treatment

Visiting the doctor should be the first step if you have been involved in a workplace-related accident. Doing this helps start your road to recovery and obtain medical records to justify and quantify your claim. 

While you can see your own doctor after a workplace injury, it may not be the right thing to do based on your state laws. So, it is essential to see an approved doctor or physician in order to preserve your eligibility. 

 

Know What is Covered and What is Not Covered in a Workers’ Comp

Not all injuries or illnesses are covered under the workers’ compensation program. For an injury claim to be valid, it must have occurred in the scope of your job. 

However, your employer or their insurance company may not pay for injuries if they occur:

  • While you are engaged in personal errands
  • During horseplay or fighting
  • Due to alcohol or drug abuse
 
Report Your Injury

Another essential step is notifying your employer about your injury or illness as soon as possible. Most states require employees to report work-related injuries within 30 days from the date of the accident, but the earlier, the better. 

While you can still report your injury verbally, you should give your employer a detailed written notice. Also, requesting an accident injury report form from your employer is a good idea for easier follow-up. 

After reporting your injury or illness, your employer will file a report with their workers’ compensation insurance company which may cater for your medical expenses and lost wages.

 
Follow Up on Your Claim

While laws vary from state to state, your employer has the responsibility to file your workers’ compensation claim with their insurance company within 21 days after notifying them about your injury.

Once a claim has been filed, you will receive notification from the insurance company. 

You will then be assigned a case manager to work with throughout the process. Once your claim is approved, you will begin receiving benefits, including medical treatment and wage replacement.

 

What if Your Employer or Insurance Company Reject Your Workers’ Comp Claim?

Sometimes, employers or their insurance companies might deny valid on-the-job injury claims. If this happens, consult with a workers’ compensation lawyer promptly. 

An experienced lawyer will review your case to determine its strength and provide you with a way forward.

If they believe your employer has a case, they’ll help you file a workers’ compensation lawsuit and ensure you are not taken advantage of during court proceedings.

Categories: Legal, News


You Might Also Like
Read Full PostRead - Eye Icon
Gen Z Is Coming: How Luxury Brands Can Survive and Thrive With the Next Generation 
News
20/07/2022Gen Z Is Coming: How Luxury Brands Can Survive and Thrive With the Next Generation 

Younger generations are continuing to encroach on the luxury market, and for brands it is important they get their share. Set to make up 50% of the whole market by 2025, Gen Zs and Millennials are fast becoming key stakeholders in the industry. For luxury bran

Read Full PostRead - Eye Icon
Atlas Genetics Completes $20m Series C Fundraising
Finance
Read Full PostRead - Eye Icon
Worley confirms acquisition of offshore wind specialist 3sun Group
Innovation
28/10/2019Worley confirms acquisition of offshore wind specialist 3sun Group

Deal brings enhanced operations and maintenance offering to the global market.

Read Full PostRead - Eye Icon
7 Best SOC 2 Compliance Software in 2024
News
26/07/20247 Best SOC 2 Compliance Software in 2024

7 Best SOC 2 Compliance Software in 2024 With cybersecurity threats on the rise and becoming more sophisticated by the day, SOC 2 compliance is becoming a real non-negotiable for businesses to assure customers and stakeholders that they take their security and

Read Full PostRead - Eye Icon
Americans Take Advantage of Lower Gas Prices to Pay off Debt
Finance
16/03/2015Americans Take Advantage of Lower Gas Prices to Pay off Debt

Despite lower gas prices and reduced unemployment, most Americans are taking advantage of their savings at the pump.

Read Full PostRead - Eye Icon
Unique Legal & Tax Requirements When Setting Up a Business in California
News
06/06/2023Unique Legal & Tax Requirements When Setting Up a Business in California

Whether you’re a native looking to start a new business or a newcomer wanting to put down more than just roots, starting a business in the Golden State comes with its fair share of opportunities – and risks.

Read Full PostRead - Eye Icon
Is Now a Good Time to Invest in the US Dollar Index?
Finance
10/03/2023Is Now a Good Time to Invest in the US Dollar Index?

The US Dollar Index is a financial asset that tracks the movement of the US dollar against six major currencies. The index has attracted many investors over the years and is considered to be a strong option for long-term portfolios.

Read Full PostRead - Eye Icon
Exceeding Expectations
Leadership
08/02/2019Exceeding Expectations

Culinary Systems Inc is a product development and consulting group for restaurant and retail. Following their success in AI’s Global Excellence Awards 2019, we profiled the firm and spoke to Culinary Systems Inc’s President, Tony Lagana who provided us wit

Read Full PostRead - Eye Icon
Best Older Adult Philanthropic Support Organization 2022
Corporate Social Responsibility
28/06/2022Best Older Adult Philanthropic Support Organization 2022

In terms of funding and government support, the elderly population often fly under the radar. However, the John Knox Village of Florida is on a mission to change this for good – indeed, it hopes to provide retirees with a happy and healthy life post-retireme



Our Trusted Brands

Acquisition International is a flagship brand of AI Global Media. AI Global Media is a B2B enterprise and are committed to creating engaging content allowing businesses to market their services to a larger global audience. We have a number of unique brands, each of which serves a specific industry or region. Each brand covers the latest news in its sector and publishes a digital magazine and newsletter which is read by a global audience.

Arrow