Understanding Benefits And Limitations Of Worker’s Compensation in Northport

by | Dec 3, 2013 | Lawyers

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Workers compensation is arguably one of the most important types of insurance for employees. This insurance plays an important role in providing employees with coverage when they’re unable to work due to a work-related injury. Workers can expect to have their wages supplemented as well as have their medical bills paid. Let’s take a closer look at Worker’s Compensation in Northport, and its benefits and limitations.

For starters, it’s important to note that not all employers carry workers compensation insurance. Although it’s recommended that they do so, many employers don’t necessarily have the amount of employers that the insurance requires. Those that do carry the insurance are providing a financial safety net for their workers and themselves.
If an employee is injured on the job, their injuries could cause them to miss days, months, and even years of work. A single injury could leave them permanently disabled and unable to work period. Because such injuries could financially ruin a worker, workers compensation helps to replace a certain amount of lost wages and future wages. Workers aren’t the only ones to benefit from this insurance either. Employers benefit by avoiding the risk of unnecessary personal injury lawsuits. In the past, countless businesses have been financially ruined by lawsuits from workers who’ve been injured while on the job.

Although having Worker’s Compensation in Northport is a good thing, not all accidents can be covered by it. First of all, only qualified work-related injuries will be accepted. What is a qualifying injury? An example would be a warehouse worker who accidentally injured himself while maneuvering a forklift. Unfortunately, there are several instances where workers are injured due to their own carelessness. An example would be someone who was injured on the job while they were consuming alcohol. In this case, the worker injured themselves while they were breaking the rules.

If you’re an employer, and you’re required to do so, you should focus on getting workers compensation insurance. If you’re an employee, you should be aware of your company’s policies involving insurance coverage for work-related injuries. Be mindful of what injuries can be covered are which ones cannot. Workers compensation insurance can work to financially benefit both employers and employees.
To know benefits and limitations of worker’s compensation visit www.lswattorneys.com

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