Below are answers to frequently asked questions related to workers’ compensation insurance.
How soon do I report an injury that happened because of work?
You must report any injury at work immediately to your employer and request medical treatment if needed.
Do I have to be injured at my workplace to be covered by worker’s comp?
You are covered as long as your injury is job related. Examples include being injured while traveling for work or doing a work-related errand or attending an employer-sponsored event.
What medical treatment am I entitled to receive?
You are entitled to all necessary medical treatment that is likely to lessen your disability. Coverage generally pays for surgery, hospitalization, medical supplies, prosthetics, and prescriptions.
Does workers’ comp cover long-term recoveries or illnesses?
Workers’ compensation covers many injuries not caused by an accident. Injuries resulting from overuse or misuse such as chronic back problems or repetitive stress injuries may be covered. Workers suffering from illnesses or diseases related to work conditions may also be covered.
Will I be compensated for missing time from work?
You must be out of work for a short period of time before you qualify for loss of earnings compensation. That period of time varies state-by-state.