Worker's Compensation

What is worker’s compensation?

Worker’s compensation is a type of accident insurance that all employers must purchase. If you experience an accident or injury while on the job, or you develop a work-related illness, worker’s compensation pays your medical expenses. If you’re unable to work, worker’s compensation provides wage-loss benefits until you’re healthy enough to return to your regular routine.  

Worker’s compensation also protects business owners. This type of insurance protects employers from fines, fees, and other damages that could cripple the financial health of their business. 

What does worker’s compensation cover?

No two worker’s compensation policies are exactly alike. However, worker’s compensation insurance usually covers medical expenses, lost wages, and ongoing care costs. If necessary, worker’s compensation also provides funds for funeral expenses if an employee dies as a result of a work-related injury or illness. 

Are there any injuries worker’s compensation doesn’t cover?

Worker’s compensation protects business owners and their employees, but there are certain situations this type of insurance doesn’t cover. You may not be able to claim worker’s compensation if your injury is a result of:

• An intentional event
  
• Being intoxicated
  
• A physical fight
  
• Emotional hardship
  

If you are curious about your worker’s compensation coverage, reach out to your insurance provider with a list of questions. They’ll be happy to walk you through your policy and can explain your benefits in detail. 

What should I do if I get hurt on the job?

If you suffer an injury while on the job, let your boss know right away. When you make your report, make sure to include the date, time, and circumstances of your injury. Every state has different rules on reporting work-related accidents, but you should always make a report as soon as possible. 

If you develop a work-related illness, you should follow the same basic guidelines. As soon as you receive an official diagnosis from Dr. Kindl and the team, let your employer know. 

Is there any way to prevent a work-related accident?

Unfortunately, there’s no way to prevent a work-related accident entirely. However, you can take steps to lower your risk of injury while at work. Dr. Kindl and the team recommend paying close attention, wearing proper safety attire, and asking questions. For example, if you don’t know how to use a piece of equipment or machinery, speak up. It’s far better to know what you’re doing than it is to risk your health and wellbeing.

To make a worker’s compensation appointment at New Orleans Orthopedic Institute today, call the office nearest you or use the online booking tool.