Most employees who work demanding jobs are aware of the Workers Compansation MN has to offer. However, many workers aren’t exactly sure of the ins and outs of the coverage. Some employees aren’t even sure what the coverage entails at all. If you have any questions or concerns about what workers comp can do for you, pay attention to the following for helpful insight.
For starters, workers compensation is simply a form of insurance. Most employers are required to buy this insurance to help protect themselves and their employees. This insurance helps to compensate the employee, and also helps to protect the business from being sued.
Workers compensation comes in handy when you become injured or ill due to some type of work-related activity. The common misconception is that workers comp only protects those who are injured at the workplace. The truth is that this insurance also covers workers who are carrying out work-related activities away from the job site as well. For instance, a bike messenger may be covered by workers comp if they fall off of their bike and injure themselves while running an errand.
When you are injured on the job, and your injuries are severe enough, you may need medical attention. Depending on how severe the damage is, these bills could cost you a fortune. Thankfully, workers comp will cover all of these expenses, and will even cover lost wages from missing work.
That being said, workers compensation won’t always apply to everyone. There are several scenarios that many people also have a misconception about. For instance, if you’re injured on the job because you were heavily intoxicated, workers comp will not cover the injuries you’ve sustain. This is also true if you hurt yourself while under the influence of a drug. It doesn’t matter how severe your injuries are, workers compensation will not cover them.
As an employee, you have a right to know about the protective programs available for you. It’s a great source of insurance for workers operating in dangerous working environments. All workers should know how important this coverage is and how they can utilize it if necessary.
