Compensation for workers is a state regulated insurance scheme that is in place to assist workers that have been injured or suffered an illness that is a direct result of their work environment. All employers are legally bound to have an insurance plan in place to cover for any injuries and companies may have different plans in place that have their own set of rules and regulations covering how to file a compensation claim. If you have the need to file a claim then the HR department at your place of employment should be able to give you the relevant information.
Under normal circumstances any worker that has suffered a work related injury has the right to file a claim for compensation regardless of who may have been at fault, whether it was a co-worker, the employer or the company itself. Should a worker accept any financial reward from a company it negates their right to lodge any further claims such as a common law claim against the employer. It would be very unusual to find a company that has no insurance plan in place. In fact, some of the larger corporations will normally form their own insurance scheme so there is no longer a need for them to go around for other insurance companies to provide them one.
To be able to make a compensation for workers claim, the accident or injury must be reported as soon as possible to the employer who will in turn inform the insurer. Whether that company is an outside insurer or an in-house they should pay for any medical expenses and out of pocket expenses you may incur. Any form of injury should be covered and this is not restricted to only major injuries such as broken limbs. Repetitive motion injuries such as carpel tunnel syndrome or constant back pains due to excessive bending should also be covered. Your claim can even cover injuries due to an unhealthy work environment, heart disease, lung diseases and stress related stomach problems are all conditions that could lead to a compensation claim.
If you sustain an injury that keeps you away from work for a short period of time then you could receive a percentage of your usual wage up to a set limit under the companies' scheme. These payments are normally tax-free so they shouldn't be too small. These types of payment will normally proceed after you have been unable to return to work for several days after the accident or illness has occurred.
If you should become permanently disabled due to an injury at work then a compensation for workers claim may entitle you to long-term payments or a lump sum payment. This type of payment will be dependent on the severity of your injuries. These types of claim can be quite complicated and may take quite some time to be settled; normally it is recommended that you get the help of a personal injury lawyer to deal with such a case.
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