Review of injury at work::Workers COMP Settlements?
Review of injury at work::Workers COMP Settlements?
Some people will call in sick to work at the slightest hint of a scratchy throat while others could be suffering from meningitis behind their three-piece desk. Calling in sick to work can mean getting behind on deadlines or irritating your boss, but sometimes you just can't make it in and you have to make that uncomfortable call. Regardless of your work ethic, however, there are a few rules to follow when deciding whether to call in sick. You'll need to consider the necessity of your presence at work as well as the severity of your illness. In most cases, employers will defer to the employee when evaluating whether he or she should call in sick. Your absence for a day or two probably won't cause your company to shut down its production and your colleagues will thank you for not spreading the joy of a stomach bug or cold. However, some sicknesses require that you call in sick to work, while others leave it up to interpretation. Stomach Bugs: Some stomachaches are the result of bad food or poor digestion while others are bacterial or viral in nature. Since doctors often can't tell the difference between the two, you'd be better off staying at home until you feel better. You don't want to spread a virus to your co-workers or your boss and you'll be uncomfortable all day. Not only that, but it can be embarrassing when you're running to the bathroom every five minutes. Flu: One of the worst illnesses to come down with is the flu, which not only causes cold-like symptoms but also makes you feel achy and sore all over. The flu is highly contagious, so you should never go to work when you have it. And contagion aside, you probably won't be up to doing much of anything besides sitting behind your desk. Note: It is especially important that you call in sick to work with the flu if you work around or with food. Sore Throat: In some cases, a sore throat is just the result of a little drainage or a small cold. Sometimes, however, it can be an indication of the very contagious strep throat. It's quite easy for your general practitioner to tell you whether or not you have strep; he'll take a swab of your throat and the results will be back in five or ten minutes. Wait for the culture results before returning to work and if you have strep, wait at least twenty-four hours to return after you've begun the antibiotic. Fever: A fever can be indicative of any number of illnesses, many of which are contagious. Until you feel better or until you know the source of the fever, I would recommend calling in sick to work. A fever usually is a sign of infection, so you don't want to infect everyone else in your office. Rash: This is really a judgment call when it comes to calling in sick to work. If the rash is highly visible and you don't know what it's from, go to the doctor and get the results before returning to work. If it isn't visible, however, and you know that it isn't contagious, there's really no reason to call in. Note: If the rash is itchy, burning or otherwise uncomfortable, call in sick to work. Pain: Sometimes people call in sick to work not because of an illness, but because of injury. Back pain, neck pain, shoulder pain, wrist pain and other types of pain that might affect your ability to do your job might warrant calling in sick to work. You are the best judge of the severity of your pain so make an educated decision based on the way you feel. |
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Labels: Back Injury at Work, Compensation for Injury at Work, Hurt at Work, Injury at Work Laws, Injury at Work Rights, Injury on the Job Policy, Lawyer for Injury at Work, Shoulder Injury at Work
Monday, June 9, 2014
Review of work accident compensation::How do I Get Paid for Workers Comp Injury?
Review of work accident compensation::How do I Get Paid for Workers Comp Injury?
Many people do not know the difference between Workers' Compensation and disability insurance. Workers' Compensation is paid for by your employer. The US Department of Labor requires that all employers carry some form of Workers' Compensation insurance. Most Workers' Compensation plans are bought through private insurance companies. Private insurance companies sell Workers' Compensation plans to employers. Usually the premiums are high and employers see this as a cost of doing business. For those employers that do not buy workers' compensation plans, there are secondary funds in states designed to protect the injured worker. For those employers that choose not to follow the law, heavy fines are imposed. When an employee is injured on the job, there is usually a time frame for filing a Workers' Compensation claim. An injury should be reported to the insurance company as soon as possible. The governing state Workers' Compensation board typically must have official filing or notice of employee injury. Workers' Compensation acts like an insurance policy in that it pays an employee for medical expenses and time lost from work as a result of his/her injury. Of course, in most circumstances, the policies are only required to pay 2/3 of an employee's gross earnings. If an employee is injured and they do not miss time from work and their medical expenses are under $1,000, then in most cases the employer can opt to pay the bills themselves, thus limiting the possibility their premiums will rise. Disability insurance is a policy that an employee carries. This can be short term disability or long term disability or both. The employee will usually pay premiums out of their paychecks for said policy. This policy would then pay a certain percentage of their gross wages and other monetary compensation for injuries or illness, whether on the job or off the job. Any injury that results from a work related accident or incident, should be reported immediately to your employer. Workers' Compensation law was designed to act as a "no fault" claim where the interests of the employer and the employee are both protected. Once a claim is filed by an employee, that employee gives up their right to legal litigation against their employer for negligence. In turn, the employer is required to pay their insurance company to manage the employee's medical case to resolution and return to work. In most cases, both an employer and a Workers' Compensation carrier will work very closely together to minimize costs. Often times, case managers (or people who manage an employee's injury) will be assigned. These are professional nurses and/or highly trained specialists in the medical arena. They will coordinate medical care and return to work plans. They will ensure that medical care and treatment is continuous and that ordered treatment is quickly approved to expedite not only employee recovery but eventual return to work. So, in closing, the major difference between Workers' Compensation and Disability Insurance is that one is funded by your employer through enacted laws and the other is purchased by you. Workers' Compensation plans typically pay the costs of both your medical care and treatment as well as your lost wages. Disability insurance plans can vary but most cover a certain percentage of your income and/or provide compensation for injuries sustained. In either case, the insurance plan premiums are paid in the event of an illness or injury. However, not all people will use these plans, like most insurance plans, and thus some profit will be made by the insurance company. As with any insurance, you are purchasing "coverage" that you may or may not need. If you don't need it, you do not get your money back. However, if you do need it, you'll be glad you are covered. |
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Labels: Accident at Work Form, Accident Fund Insurance Workers' Compensation, Compensation for Injury at Work, Injury at Work, Knee Injury at Work, Reporting an Accident at Work, Work Injury Compensation Act, Workers Comp Injuries









