When you are injured in the course of your work, you are owed compensation for that. You will be surprised how many workers get injured while working yet they get nothing. Not even compensation for medical bills incurred.
It is important to get a bit of insight into matters compensation and what you are entitled to. You will be delighted to discover that the law requires your employer to meet your medical costs and perchance, pay you while you are away from work. How much you are paid depends on the laws in your land.
However, a comp benefit, for that is what it is known as, will not happen automatically. You must file a claim and you must do it on time.
What does filing a comp claim entail?
In most cases, it takes you only three steps to file your claim.
- Report the injury.
- File the actual claim with your employer as soon as you can.
- File also with your workers’ board if one exists.
Remember that there are time limits, so find out how much time you are allowed before a claim can be considered to be time-barred. Once the time is up, the insurance company covering your injuries will opt out and you will have lost out.
When does the timing begin?
The clock starts going tick-tock from the date of your injury. It must be very clear that you got injured while performing your duties at work; for instance, you got electrocuted. Ouch.
Now, this is where it gets complicated. Say you developed complications due to exposure to toxins at work, for instance, mining. It is possible also to develop conditions like heart disease due to work-related stress. These are commonly referred to as cumulative trauma injury and occupational disease. In such situations, the time allocated for reporting or filing your claim depends on:
- When you were first absent from work as a result of the injury or ailment.
- Whether you knew that the medical complication was caused by work. Your doctor would explain this and have it on the record.
If you have suffered an injury, you should receive medical attention immediately. Your employer, through the insurer, might have specific hospitals or centreswhere you cango to for treatment, but if it is an emergency, you should be able to get treatment anywhere.
When you get to the treatment facility, let the medic attending to you know that it is a work-related injury. This is necessary for the records you will use to file your claim.
Report the injury or illness as soon as you can to your employer within the time allocated to do so. The exception is when your employer knew about the injury and your hospitalization as a result.
Medical care is not cheap and if it is provided by your employer, then you should get compensated if you fell ill or got injured in your line of duty. So, file your comp claim as soon as possible and don’t risk losing the compensation that is owed you.