Workers’ compensation is a type of insurance that provides benefits to employees who are injured or become ill at work. It is a form of financial protection for workers, ensuring that they are taken care of in case of an unfortunate incident on the job. However, not many people know much about workers’ compensation beyond its basic function. In this blog post, we’ll take a closer look at ten surprising facts about workers’ compensation that you probably didn’t know before.
Workers’ compensation dates back to ancient times
Although workers’ compensation as we know it today started in the United States in the early 1900s, the idea of workers’ compensation can actually be traced back to ancient civilizations such as Sumeria, where a law code required employers to pay compensation to injured workers.
Workers’ compensation covers more than just physical injuries
Workers’ compensation doesn’t only cover physical injuries like falls or cuts. It can also cover illnesses that arise from work-related conditions, such as carpal tunnel syndrome, hearing loss or lung disease.
Employers can’t retaliate against a worker who claims workers’ compensation
Not many people realize this, but it is illegal for an employer to retaliate against an employee who has filed a claim for workers’ compensation benefits. Retaliation could involve firing, demoting, or reducing an employee’s hours or pay.
Some injuries are not covered by workers’ compensation
Although many work-related injuries can be covered by workers’ compensation, there are some injuries that aren’t covered. For example, injuries sustained during a fight or an injury caused by intoxication or drug use.
Workers’ compensation differs by state
Many people assume that workers’ compensation laws are the same in every state, but the reality is that they vary from state to state. While most states follow similar basic guidelines, there are significant differences in some areas.
Employers are required to have workers’ compensation insurance
Employers are legally required to have workers’ compensation insurance to protect their employees in case of an accident or illness on the job. Failure to provide workers’ compensation insurance can result in hefty fines and penalties.
Workers’ compensation can cover rehabilitation costs
In addition to medical expenses and lost wages, workers’ compensation can also cover the cost of rehabilitation services such as physical therapy and vocational training.
Pre-existing medical conditions can affect workers’ compensation claims
If an employee has a pre-existing medical condition related to their injury, their workers’ compensation claim may be impacted. The employer’s insurance company may argue that the pre-existing condition was the primary cause of the injury and limit the amount of compensation.
Workers’ compensation fraud is taken seriously
Workers’ compensation fraud occurs when a worker knowingly falsifies information or provides misleading information to receive benefits. Fraudulent claims are illegal and can result in serious legal consequences.
Workers’ compensation benefits aren’t taxable
Workers’ compensation benefits are usually not taxed by the federal government, which means employees can receive their full compensation without worrying about tax implications.
Workers’ compensation plays a critical role in ensuring that workers receive financial protection in case of on-the-job accidents or illnesses. The ten surprising facts about workers’ compensation outlined in this blog post demonstrate the importance of understanding and knowing your rights as an employee. By increasing awareness and knowledge about workers’ compensation, we can empower workers to make informed decisions about their insurance and receive the benefits they deserve.