What you should know about Workers’ Compensation?
California employers with a minimum of one employee are obligated to have workers’ compensation insurance. The responsibility for funding the workers’ compensation policy lies with the employer. At Velilla Law Firm, we understand the complexities of workplace injuries. While an employer’s policy covers medical costs, wage loss replacement, and rehabilitation in the event of a workplace injury, it may not encompass the full compensation you merit. Our expertise can assist you in optimizing the compensation you are entitled to.
What is covered by Workers Compensation?
Workers’ compensation typically covers a range of benefits for employees who experience work-related injuries or illnesses. The specific coverage can vary depending on the jurisdiction, but common components include:
- Medical Expenses: Coverage for necessary medical treatment related to the work-related injury or illness. This includes doctor visits, hospital stays, surgeries, medications, and other medical procedures.
- Wage Replacement: Compensation for a portion of the injured employee’s lost wages during the period they are unable to work due to the work-related injury or illness. This is often a percentage of the employee’s average weekly wage.
- Rehabilitation Services: Support for rehabilitation services such as physical therapy or vocational rehabilitation to help the injured employee recover and return to work, if possible.
- Disability Benefits: Payments to compensate for a temporary or permanent disability resulting from the work-related injury or illness. Disability benefits may be total or partial, and the duration and amount can vary.
- Death Benefits: In the unfortunate event of a work-related death, workers’ compensation may provide benefits to the dependents or beneficiaries of the deceased worker. This typically includes funeral expenses and financial support for dependents.
- Travel Expenses: Reimbursement for reasonable travel expenses related to medical treatments or other aspects of the workers’ compensation claim.
It’s important to note that workers’ compensation is generally a no-fault system, meaning that employees are entitled to these benefits regardless of who was at fault for the injury or illness. However, in exchange for these benefits, employees typically give up the right to sue their employer for damages in most cases.
The specific details of workers’ compensation coverage can vary by jurisdiction, so it’s essential for employees to familiarize themselves with the laws and regulations applicable in their location. Employers are usually required to carry workers’ compensation insurance, and the process for filing a claim may involve notifying the employer, seeking medical treatment, and working with the insurance carrier.
Why Do You Need an Attorney?
Although workers’ compensation coverage is comprehensive, insurance companies often have an incentive to minimize payouts. Moreover, it is not uncommon for employers to discourage or create obstacles for workers’ compensation claims. In the event of a workplace injury, having an experienced attorney advocating for your best interests becomes crucial.
Contact Us
Ready to discuss your workplace injury? Contact the Velilla Law Firm today by dialing (916) 891-1111 for our Sacramento office or emailing us here. Keep in mind, your initial consultation comes at no cost. Complete the contact form below or give us a call now.
