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3 Eligibility Requirements for Workers Compensation Insurance Program

By Edited May 9, 2016 0 0

The worker's compensation insurance program provides benefits to employees who became ill or were injured while doing their work duties. If you passed the program's eligibility requirements, you will be compensated for your medical bills and lost wages. However, you may lose your right to take legal action once you agree to receive monetary assistance from it.

Here are the three eligibility requirements for this program:

  1. Your illness or injury should be work-related- Workers' compensation will likely cover your illness or injury if it was work-related, meaning you were hurt while performing a task which is required by your employer.
  2. You should be working in the company as an employee- Not all people who are in the workplace are considered as employees. For example, independent contractors cannot receive workers' compensation benefits because they have a different status compared to regular workers. Employers should be careful when determining whether an individual is an employee or not. If they failed to provide benefits to an employee, they may be sued by the aggrieved party.
  3. Your employer is required by the law to provide workers' compensation benefits- The responsibility of your employer to give you benefits may depend on different factors like the kind of business he is managing, number of workers he has, and state where the company is built. In some states, employers who have at least three workers are covered by this insurance.

        Although states have imposed their own requirements regarding the coverage of workers' compensation insurance, most employers are still obligated have their own insurance coverage

        If you were injured while at work and your employer claimed that you are not entitled to receive benefits, you should fight for your rights with the assistance of a Los Angeles employment attorney.

        Your attorney will determine if you are covered by this insurance by looking at the three eligibility requirements. If he was able to prove that you are eligible for it, you may then be entitled to receive the following:

        • Medical expenses- It will cover the cost of your hospitalization, medical treatment, and doctors' fees.
        • Vocational rehabilitation- It will cover the expenses of your re-training if it is needed because your condition prevents you from doing your current job duties. In addition, it may also shoulder the costs of your physical therapy if you are taking it in order to recover.
        • Disability compensation- It will help you sustain your daily needs if your condition causes you to be temporarily or permanently disabled.
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