When you have had an accident at work, the last thing that you want to deal with is workers compensation in Philadelphia. But if you want the injury to be taken care of, and you do not want to have to pay for all of the medical costs and the loss of wages because of the accident, then it is important to know all of your rights under workers compensation in Philadelphia. Here are some facts that you should know if you have been in an accident at work and want to receive your workers compensation benefits in Philadelphia.
What is Workers Compensation
Workers compensation is a when you receive financial paybacks from your employer, due to becoming disabled or injured at work. The employee is offered workers compensation in Philadelphia in order for the employer to avoid being pulled into a lawsuit by the employee. This money that the employee receives is to be used to cover any medical bills that are associated with the injury. There is also the possibility to receive money for any permanent injuries and money that was lost because of not being able to work. It is a good idea to find out about your company’s particular workers compensation programs before you get in an accident.
Companies and businesses in the United States are required to provide workers compensation to their employers. Employers will want to make sure that their workers do not take them to court for an injury and so they will offer this insurance to their employees because of this. It can sometime be difficult to receive workers compensation from your employer. It is still expensive to pay for all of the hospital visits and other things even if it is less expensive than going to court. Make sure to have some witnesses available if you fell at work. This will make it much more likely that the employer will just give you the benefits, after maybe filling out some paperwork, instead of trying to fight you on it. If the injuries were internal, or there was not anyone who saw you get hurt, it can be much more difficult to get your employer to agree to give you the benefits. Getting a doctor to certify that you have an injury and that you got it at work will make the process much easier.
It is important to determine if you will get enough from workers compensation. If you are made permanently blind or you lose a limb from the accident at work, you will be able to get much more from your employer if you decide to pursue a lawsuit instead of taking the workers compensation that is offered to you.