Workers’ compensation is an insurance program that provides monetary benefits to employees who have suffered job-related injuries or illnesses. However, many people have questions about it before they file a claim for benefits. Here are the answers to four common queries about workers’ comp.

Common Questions About Workers’ Compensation

Does It Cover All Work-Related Injuries?

Usually, but there are several instances when benefits will be denied. For example, the insurance program typically doesn’t cover injuries that occurred when an employee was under the influence of alcohol or drugs. Benefits may also be denied for self-inflicted injuries and those that happened in the course of criminal activity or behaviors that are in direct violation of company policy.

Can an Employer Fire a Worker for Filing a Claim?

No, an employer can’t legally terminate an employee for filing for workers’ comp. And, if you are able to return to work within two years of the date of the injury, your boss has to give you preference over other applicants for the same or a similar position.

Does an Employee Have to Be Injured in the Workplace to Receive Benefits?

No. An employee is eligible to receive benefits as long as the injury is work-related. For instance, if you are driving a company vehicle for work and get into an accident on the road, you will be covered.

When Can I Expect to Receive Benefits?

After a workers’ compensation claim has been signed, the examiner has 30 days to look into it and determine liability. As soon as the request has been accepted, you will receive benefits within 14 days.

If you have additional questions about workers’ compensation, speak to an attorney. The lawyers at Bothe and Lauridsen in Columbia Falls, MT, have more than 100 years of combined experience settling claims for injured employees. They care about protecting their clients’ rights and ensuring they achieve the best possible outcome. If you would like to schedule a consultation, call them at (406) 892-2193. Visit their website for more information.