Understanding Workers’ Compensation – Frequently Asked Questions

Welcome to the Workers’ Compensation FAQ at Merrick Law Firm LLC, where we address your rights and concerns related to workers’ comp benefits. Our goal is to empower you with the knowledge you need in the event of a job-related injury or illness.

What Exactly Is Workers’ Compensation?

Workers’ compensation is a state-regulated insurance program that helps employees who incur work-related injuries or illnesses. While a federal program exists for certain employees, such as federal workers, each state operates its own unique system. If you’re looking for specific information regarding workers’ comp within your state, you should reach out to your local workers’ compensation office. Our team at Merrick Law Firm LLC can guide you through these procedures and help access any due benefits, regardless of fault in the event leading to injury.

Who Is Responsible for Providing Workers’ Compensation Benefits?

In most instances, it’s up to your employer to secure workers’ comp insurance, either from a private carrier or by self-insuring. Nevertheless, some small businesses or financially robust organizations may be exempt from this requirement based on state law. Regardless of the size or financial status of your employer, if you’re injured, you file a claim with the insurance entity to cover medical and disability expenses according to state guidelines.

Do All Injuries at Work Fall Under Workers’ Compensation?

Most job-related injuries are indeed covered by workers’ comp, even if due to negligence. Yet, coverage may exclude incidents such as self-inflicted harm or criminal activities. Additionally, injuries incurred off-duty or in direct violation of company policies may not be covered.

Can Workers’ Compensation Extend to Chronic Problems and Long-Term Illnesses?

Yes, workers’ compensation isn’t limited to sudden injuries. It also encompasses medical issues developed over time like repetitive stress injuries or occupational diseases, provided they stem from work conditions.

Who Qualifies for Workers’ Compensation?

While many workers possess eligibility, exclusions do exist for groups like business owners, independent contractors, and certain domestic, agricultural, maritime, and railroad workers, among others. Be sure to consult with the state laws for clarity on your status.

Must I Be at My Workplace To Receive Workers’ Compensation?

No. If your injury is work-related, regardless of location—such as while traveling for business purposes—you’re typically covered.

What Kind of Benefits Can I Expect From Workers’ Compensation?

Workers’ comp typically provides a portion of your wage, coverage for medical costs, and potentially vocational rehabilitation services. While payments are modest, they’re crucial and are provided relatively swiftly following a work-related injury or illness.

Can I Receive Treatment From My Chosen Doctor, and Should I Trust a Doctor Provided by My Employer?

While some states allow you to pre-select your doctor, others may require you to visit a physician chosen by your employer. It’s vital to remember that a doctor paid by your employer might not align fully with your best interests, often aiming to maintain favorable relations with the insurance provider or your employer.

If Initially Treated by an Insurance Company Doctor, Can I Later See My Own Doctor?

State laws are nuanced, but oftentimes you can request another physician at the insurance carrier’s expense. This may be subject to specific rules, such as waiting periods or severity of injury, so it’s essential to become familiar with your state’s regulations.

Is It Ever Possible to Sue My Employer in Court Over a Work-Related Injury?

Yes, under specific circumstances, particularly if the injury results from an intentional or reckless act by your employer, legal action outside of workers’ comp may be pursued.

What Should I Do If My Employer Discourages Me From Filing a Workers’ Compensation Claim or Threatens Termination?

This behavior could constitute a violation of workers’ comp laws. Immediate reporting to the local workers’ compensation office is advisable.

For further guidance and personalized legal advice relating to workers’ compensation, don’t hesitate to contact Merrick Law Firm LLC at (312) 269-0200. We can help you navigate the complexities of workers’ comp law to ensure your rights and benefits are fully protected.