FAQs About Workers’ Compensation in Maitland, FL
Whether you’re a business owner or employee, you should be aware of how workers’ comp can benefit you – as well as what this insurance doesn’t cover. The following are some frequently asked questions about workers’ compensation in Maitland, FL:
What is workers’ comp?
Workers’ compensation is a type of insurance that protects businesses and employees from financial loss after the employee is hurt or becomes ill due to work. The employee receives coverage for medical expenses, and lost wages, and other related costs; in turn, the business does not have to pay for these expenses and, in most cases, cannot be sued.
What isn’t covered by workers’ comp?
Most work-related accidents, injuries, and illnesses are covered by worker’s compensation provided that they are properly documented. However, certain things are not covered, such as:
- Injuries Sustained During a Fight the Employee Started
- Injuries Sustained Due to the Employee Being Intoxicated
- Injuries the Employee Sustained Intentionally
- Emotional Injuries that Aren’t Associated with a Physical Trauma
What should an employee do when they’re injured on the job?
First and foremost, the employee should report the injury to their supervisor as soon as possible. Injury reports should include the date, time, and circumstances. Work-related illnesses should be reported as soon as a diagnosis is obtained or as soon as it’s discovered they’re related to the employee’s job.
How do you file a worker’s compensation claim?
Typically, workers’ comp claims are filed by the employer. First, ensure the employee receives appropriate medical attention and approve time-off requests if it’s required for recovery. Next, gather the proper information to submit the claim. You’ll need the company information, the injured employee’s information, and the details of the incident, among other things; check with your specific insurance company for detailed instructions. The employee’s doctor will also need to submit a medical report.