Working is something most people do, and as a worker, you probably have some questions about your safety. You work a job to provide for your family, so knowing what to do if you’re injured can make the difference between struggling or being financially stable while you recover.
What does your employer have to do to make sure you’re covered financially in the case of an injury at work? The first thing is always to obtain workers’ compensation insurance. The employer must either be self-insured or obtain workers’ compensation insurance. If the employer doesn’t, he could face up to a year in prison and a fine of up to $5,000.
Following an accident, the injured employee may receive medical care. That care is the responsibility of the employer and insurer, who will need to pay for the treatment. The way the employer and insurance becomes aware of the accident matters, too. Any injury that results in disability for longer than three days has to be reported to the Workers’ Compensation Commission. An employee must report the injury to the employer, who then can file a claim on the employee’s behalf or who can help the employee fill out a claim.
Weekly wages are paid out to those who have missed several days or longer of work. These wages are determined by looking an employee’s gross wages and overtime and then determining the average wage within the last 14 weeks. With this process, the weekly wage can be adequately decided in a fair and equitable manner for each and every person who needs to obtain workers’ compensation for an injury.