Workers’ compensation is a crucial system designed to protect injured workers. However, despite its importance, there are several myths and misconceptions surrounding workers’ compensation that can lead to confusion and misinformation. What is the truth?
Myth 1: Workers’ compensation is only for workplace accidents.
While workplace accidents are a common type of claim, workers’ compensation also covers illnesses and other conditions related to your work. This can include diseases like asbestosis that occur because of workplace exposure to hazardous substances. It can also include conditions related to vibration, repeated motions or other conditions caused by the tasks you perform at work.
Myth 2: You cannot receive workers’ compensation if you were at fault.
Workers’ compensation is generally a no-fault system, meaning that it does not matter who was at fault for the injury. There are exceptions, however, such as cases involving intoxication or the intent to injure oneself or others.
Myth 3: You can lose your job for filing for workers’ compensation benefits.
It is illegal for an employer to terminate, demote or otherwise punish an employee for filing a workers’ compensation claim. If you believe your employer has retaliated against you for filing a claim, you may want to speak with an attorney to learn how to protect your rights.
Myth 4: You can only receive support for lost wages.
Workers’ compensation does more than just cover lost wages. It can also provide benefits to cover:
- The cost of medical care directly related to the injury or illness
- Compensation for reduced capacity to work due to a disabling injury
- Vocational rehabilitation benefits are available to help injured workers learn new skills or find new jobs
- Death benefits to the dependents of a worker who died in a fatal accident
Workers’ compensation is an essential safety net designed to support employees who suffer work-related injuries or illnesses. Understanding the truth about these benefits can help you get the support you need when your work impacts your health.