Workers compensation is something that few people understand unless they have had a personal experience with it. In fact, there are many questions that people have about this type of insurance. Here are some of the most frequently asked questions about workers compensation Philadelphia cases with answers to give you a better understanding of how it works.
What is Workers Compensation?
Workers compensation is basically a form of insurance that each state requires employers to carry. It is designed to help pay for the expenses of an employee if they get hurt while working on the job. The federal government mandates that each state have workers compensation programs, but it’s up to each individual state to determine the rules and regulations of their own program. The programs help pay for medical bills, time off of work and other expenses that result from the work injury or illness.
Will workers compensation Philadelphia benefits cover all of my medical expenses?
When you are injured on the job, your workers compensation benefits will pay for any medical treatments or procedures that are directly related to that injury. The benefits also pay for any procedures that are used to diagnose the injury and the treatment that you will need.
Are all employees of a company covered by workers compensation?
While states have rules and regulations regarding workers compensation, they do not apply to every company in the state. The applicability of these guidelines to a particular company and its employees may depend on the number of employees in the company, the type of business, and the type of work that the employees do on a day to day basis. Some workers are excluded from the workers compensation guidelines, but it depends on the individual laws of the state. In some states, farmers, seasonal workers and domestic employees are not covered under the rules and regulations of the workers comp guidelines.
Can my regular doctor treat me following an injury on the job?
In some states, you can see your own doctor following an injury on the job. However, you may be required to make this request in writing before the injury even occurs. In most cases, however, your employer has an approved doctor that they will require you to see for your workers compensation Philadelphia benefits to be utilized for your medical expenses.
Does the workers compensation only cover me if I’m at work?
There are cases when your workers compensation benefits will cover you when you are away from the office or headquarters. For instance, if you are traveling for business related to your job and you are injured, you will often get benefits to cover your medical expenses. This can include attending functions relating to your job or running an errand for the business.
