The Basics of Workers Compensation

by: Ben Wilver
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As a worker, it is imperative that you understand your rights. There is a considerable range of protection granted to workers and employees in the United States (varying, of course, with each state). And should an accident or injury occur, knowledge is always to key to maximum benefit. Below are several important points to hold in mind if you are a worker in the state of Pennsylvania:

A Basic Definition

Workers compensation is funding provided for an employee when injured or physically afflicted in the course of job-related tasks. Typically this assistance will cover the expenses involved in the exclusive remedy of the disease or injury.

Four Priorities

If you receive an injury or illness related to your job, these are some of the most important things that you’ll need to do:

1. Notify your employer as soon as possible! This could make or break your financial situation. If your employer is not notified within 120 days of your injury, you may loose all of your rights. If you your employer is not notified within 21 days of your injury, you will only be paid for expenses accrued after that point. You will be best positioned if you simply notify your employer immediately after the accident occurs.

2. Get your employer’s "panel list." This lays out the healthcare providers that participate with your employer's insurance. If there is no specialist on the list to suit your needs, you may visit one of your own choosing.

3. Remember that Workers Compensation is more than the payment of medical bills! Depending on the circumstances, you are likely to qualify for wage-loss compensation, scarring compensation, as well as other specific forms of compensation. Make sure you know your exact rights in the situation.

4. Find a lawyer! To receive maximum benefits, it is crucial that you have someone on your side with extensive expertise in the area of Workers Compensation law. You may think you cannot afford the services of a lawyer; however, the amount of financial benefit almost always far outweighs the cost of such services.

Remember: You must know your rights! The financial aftermath of a work-related injury could vary drastically depending on how prepared you are. It could mean the difference between a devastating loss and fair reimbursement.