Workers compensation, also known as workers comp, is the name of an insurance program that was established to protect employees that get hurt either short term or long term at work. Short term injuries would include things such as slipping, falling, and breaking something. Long term injuries are typically those that are sustained by an employee who works in the same position for a long period of time. A factory worker getting carpal tunnel after performing the same action with their wrist for years would be a prime example.
The scope of workers compensation coverage tends to vary from one state to the next. This is why it is a good idea for you to reach out to a Worker’s compensation lawyer in Vero Beach, FL if you are going to be filing a claim. There are some states where certain workers including agricultural employees, independent contractors, and domestic employees are not covered by workers compensation. There are also states that require a company to have a certain number of employees in order to need the coverage policy to begin with. It is also not uncommon for a policy to only cover you if you work a certain number of hours or have worked with the company for a certain amount of time.
Hiring a Worker’s compensation lawyer in Vero Beach, FL and filing a claim against your employer is considered to be a substitute for a lawsuit. This is because once you receive compensation from the employer you lose your right to sue that employer for any additional money in the future. Before workers compensation existed, the only way that employees could get money when they got hurt was to sue the employer. Workers compensation is just a more civil way to handle the situation.
It is important for you to complete a claim form any time there is an accident while you are working. You might feel fine now, but you never know what kind of long term effects that accident could have. Filing a claim for workers compensation is time sensitive. Your employer is not obligated to pay you anything until you file a claim. You might not need to hire someone such as Matheson & Horowitz right off the bat, but it would still be beneficial to consult with him for advice.