Workers Compensation Health Insurance - How to Apply For Workers Compensation

Most states within the U.S. (with the notable exception of Texas) require employers to purchase workers compensation health insurance in case an accident should occur. By taking advantage of this insurance program, workers who have been injured on the job waive their right to sue employers based on negligence. Benefits vary depending on the jurisdiction, and may include weekly payments, compensation for past and future economic loss, medical coverage, and benefits paid to dependents. However, because workers give up their right to sue, they will not be compensated for pain and suffering.

Before applying for workers compensation health insurance, you should know exactly what types of injuries are eligible. The basic rule is that an illness or injury will need to be directly attributable to the job or working conditions in order to receive workers compensation. Examples of conditions that would qualify include broken bones from a fall at work, carpal tunnel due to excessive typing, or even a simple strain. If you are injured while running errands for an employer, you will also be eligible for workers compensation. However, if you suffer an injury while commuting to work, you will not qualify.

Applying for workers compensation health insurance will start at the hospital where you receive treatment for your injury. You will be asked if you were injured on the job; this lets the hospital or medical facility know where they should send the bill. You can also expect to be tested for alcohol or drugs. If there are any drugs in your system, be aware that your claim may be denied. Back at work, you should speak with your employer and then fill out an employee claim form. After the claim is filed, you will have to await the results.

You may face a court hearing if either the insurance company or your employer decides to fight the claim. If all goes well, you should receive a generous compensation package. Medical expenses should be completely taken care of; you can also expect to receive tax-free weekly payments of up to two-thirds of your previous income. Although you will not be able to sue your employer if you do not like your compensation package due to the compensation agreement, you can enlist the help of an attorney to appeal the decision. No matter what, if you get hurt on the job, file for workers compensation health insurance as soon as possible.

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