Are You Covered at Work? A Guide to Find Out

Every day we wake and take part in our morning routines. As you finish that last cup of coffee on the way out the door to work, you’re probably trying to ensure that you’re going to make it to work on time, but do you ever think about what your day will entail? We would all like to believe that we’re safe on the job, but it’s often something taken for granted.

It’s important to consider your coverage or lack thereof if ever in the event you were to become subject to an accident of some sort. On some occasions, workers are even misinformed to the point of believing they’re not entitled to any compensation benefits due to their status within the company, such as an independent contractor. Every job has its hazards and as an employee you deserve the right to compensation if you’ve been injured.

Don’t Be Afraid to Ask

Every employee should have the confidence to ask their employer about their coverage. Employees initially agree to jobs based upon their salary, time off, and benefits. Take the initiative, if you’re in the process of apply or attending interviews to ask: “is my employer insured”. You are entitled to be informed of your position and the coverage or lack of that comes with it.

Be sure that if you’re signing a contract with the company to read the fine print on your coverage, especially if you are in a job that might sustain a high risk of injury such as: roofers, machine operators, electrical companies, construction companies, etc. Per the Raleigh News & Observer, these jobs were reported to have uninsured employers.

What Are the Appropriate Steps If You’ve Been Injured?

If you’ve been injured on the job, be sure to notify your employer. Make sure that when you’re explaining your accident that you present information that includes the date and time, where the accident took place, and a detailed description of what happened. This should provide a substantial amount of information for your employer. Make sure that when presenting this information to your employer that it meets within the respected timeline of your state law.

You should also seek medical attention after your accident. Make sure that you do this in a timely manner after the accident and keep track of your records. This will be needed to explain the severity or extent of the workplace injury. Following up with your doctor and medical staff will not only lead you on the road to recovery, it will also present the details required for your benefits. If the medical professional insists that you avoid work, make sure that you request documentation. A doctor’s note will be key in justifying your absence.

Additionally, it would be wise for you to keep record of your expenses. This will be anything that you’ve spent in doctors’ visits, medication, additional medical bills, and even the gas mileage incurred to travel back and forth to the medical professionals.

Reasons to Consider Legal Assistance

When you’re in the process of recovering, and need someone to be your voice, an attorney can represent you by collaborating with the insurers. This may also increase your ability to get the most of you benefits if in the unfortunate event that your employer decides to combat the claim. This should provide you with the opportunity to recover while someone else handles your affairs.

It’s simple, seek and understanding of your coverage and strive for safety in the workplace. Make sure that you’re helping yourself in the long run by asking questions now. If you’ve already been injured, now might be a time to seek professional medical and legal help.