What is Workers Compensation & How Does It Benefit You?
What is workers compensation?
Workers Compensation also knows as workers comp is a financial support system law that is required by the State of California. What it does is protect individual employees from possible costs due to a work-related accident.
Regardless, you should always be careful at work and practice safety procedures.
How to file a workers compensation claim?
Contact your employer and let them know about the file. Don’t be afraid to report the claim. Your employer is aware of the following steps they need to take.
The insurance company will review the claim and entitle you to compensation.
Just like any insurance company, they don’t have your best interest in mind so they will more than likely provide you with very low compensation. That is not your employer’s fault. If you feel like the compensation is not fair or enough, give us a call and we can help maximize your compensation.
What is covered with workers compensation?
Workers compensation covers the following expenses you might have:
- Medical analysis and diagnosis
- Ambulance cost
- Hospital bills
- Medical care
- Temporary disability
- Loss wages
- Therapy necessary to get you back to work
- Permanent disability
- Death expenses such as funeral expenses and financial aid to dependants
Who can file a workers compensation claim?
Regular employees can file the claim at any time.
Who cannot file the claim:
- Subcontractors
- Individual contractors
- Seasonal employees
- Part-time employees
Do I have to pay for workers compensation insurance?
Workers compensation is paid by the employer and not the employees.
Is there a time frame to process my worker’s compensation claim?
Yes! California laws state that your employer has 90 days to approve or deny your claim.
What to do if my worker’s compensation claim is denied?
Many times, worker compensation claims are denied. You have the right to file an appeal. If so, it is extremely recommended that you contact us.
If you live in Southern California, we can help you by analyzing your case (for free) and confronting the insurance companies with a firm and fair settlement.
