Worker’s Compensation was developed nearly 100 years ago to protect both employees from injury and employers from lawsuits. Every business, whether containing ten or ten thousand employees, has certain hazards that could potentially threaten employees’ well-being. Just one injury can interrupt daily operations.
In the event of an employee becoming injured or ill while on the job, worker’s compensation will pay for medical expenses and lost wages. This greatly reduces the likelihood of an employee suing his or her employer for injuries sustained.
What exactly does worker’s compensation cover? If a construction worker is injured due to malfunctioning equipment, he or she is covered. If a nurse contracts a dangerous sickness due to a lack of sanitization, he or she is covered. Any injury or illness sustained on the job qualifies an employee to file for worker’s compensation. Apart from medical expenses and lost wages, worker’s compensation can also cover rehabilitation, depending on the employer.
However, there are some instances where coverage can be denied. Some examples are as follows:
- Injuries sustained while an employee was not at work
- Self-inflicted injuries
- Injuries that resulted from an employee violating company policy
- Injuries sustained while an employee was committing a crime
In the tragic event of an employee dying on the job, worker’s compensation will pay out benefits to that employee’s dependents.
The Texas Department of Insurance states the following:
The Texas Department of Insurance’s Division of Workers’ Compensation (DWC) regulates the state’s workers’ compensation system and certifies employers that want to self-insure.
Add worker’s compensation to your insurance portfolio. Call us at 817-626-3339 for more information on Dallas workers compensation insurance.
Texas doesn’t require most private employers to have workers’ compensation insurance. Private employers who contract with the government are required to provide workers’ compensation coverage for each employee working on the public project. Some clients may also require their contractors to have workers’ compensation insurance. (Read More at www.tdi.texas.gov)