Workers’ compensation supports employees who suffer from work-related injuries or illnesses in Pennsylvania. It ensures that workers receive medical care and compensation for lost wages due to their inability to work. Navigating the workers’ compensation process can be complex for both employers and employees. Understanding the basics of how this system works is necessary for anyone who finds themselves needing to make a claim or manage one within their organization.
The rules and regulations surrounding workers’ compensation aim to protect both the employee’s right to compensation and the employer’s interests. This blog addresses some of the most frequently asked questions about workers’ compensation in the state, providing clear insights into what it is, who qualifies for it and how to file a claim. This information can serve as a guide for employees and employers alike, helping to navigate the workers’ compensation process with greater ease and understanding.
What is workers’ compensation?
Workers’ compensation is insurance that provides medical benefits and wage replacement to employees injured on the job. In exchange, employees forfeit their right to sue their employer for negligence. Benefits can include medical care for the injury or illness, wage loss compensation for temporary or permanent disability and death benefits for the dependents of a worker who dies as a result of their job.
Who qualifies for workers’ compensation?
Most employees in Pennsylvania qualify for workers’ compensation if they suffer a work-related injury or illness. However, certain categories of workers, like independent contractors and federal employees, might not be eligible under state law.
How do you file a workers’ compensation claim?
To file a workers’ compensation claim, you must report your injury or illness to your employer as soon as possible. Your employer will then notify their insurance company to begin the claim process. During this time, seek any medical attention needed and document your injury or illness to support your claim.
Workers’ compensation protects employees and employers in the event of work-related injuries or illnesses. By understanding the basics of how this insurance works, who is eligible and how to file a claim, individuals can better navigate the process and ensure they receive the support they need. This guide serves as a starting point for those looking to understand workers’ compensation. Contact YOUR Workers’ Compensation Specialist for a free, no obligation consultation to learn how we can help you. Call 610-892-9300 or reach us online.