As mentioned in the previous article; Answering Different FAQs on Workers' Compensation Insurance (Part 1), workers' compensation insurance is a program which provides benefits to employees who are suffering from a work-related illness or injury.

Receiving workers' compensation benefits while you are unfit to work will enable you to sustain you daily needs, but will also prevent you from taking legal action against your employer.

Here are more FAQs on workers' compensation insurance:

Q: What will happen if an employee dies while performing his job duties?

A: If this situation happens, the decedent's dependents will be entitled to receive death benefits from the workers' compensation insurance.

Q: I am suffering from a medical condition which did not result from an accident at the workplace, but is work-related. Will I receive workers' compensation benefits?

A: Your illness or injuries will be covered by workers' compensation insurance, though it did not result from a workplace accident like slip and fall or electrocution. Many workers are compensated for an injury that was caused by the nature of their work. For example, a worker is required to carry heavy equipment and he suffered from back problems because of it. In this case, he may be provided with benefits while he is still recovering it.

This insurance also compensates people who are suffering from diseases or illnesses which can gradually result from an unsafe work condition. Examples of these diseases and illnesses include the following:

  • Digestive problems that are stressed-related
  • Lung disease
  • Heart conditions

Q: Can I go to my doctor if I was injured in the workplace?

A: It depends on the state where you are living. Some states allow the injured employee to receive medical treatment from his own doctor, provided that he will make a written request regarding it even before he was injured. However, in other states, the employee is only allowed to go to a doctor who is referred and being paid by his employer.

Q: Are the eligibility requirements that were mentioned in the first article () applicable to all employees?

A: No. Even if you comply with all of the insurance's eligibility requirements, you will not be entitled to benefits if you are a:

  • Domestic worker- It is a person who is working in another's home as a babysitter or housekeeper.
  • Seasonal or casual employee- You will be considered as a seasonal or casual employee if you are required to work sporadically. For example, an amusement park or carnival you are working is only open during Halloween and Christmas seasons.

Aside from seasonal and domestic workers, other types of employees who are also exempt from its eligibility requirements include farm and agricultural, loaned or leased, and undocumented workers.

You should talk to a Los Angeles labor attorney if you have questions regarding the insurance program's eligibility requirements.