If you are injured on the job or develop an illness due to your work environment, you may have questions for a workplace injury lawyer about worker’s compensation and whether it applies to your situation. Unfortunately, misconceptions about worker’s compensation can lead people to forgo benefits they are entitled to. That is why our friends at Herschensohn Law Firm, PLLC are here to debunk some of the most common myths about worker’s compensation. But first, let’s understand what worker’s compensation is.
Disclaimer: This blog post is for educational purposes only and does not substitute for legal advice. If you need assistance with a worker’s compensation claim, consult an experienced attorney in your area.
What Is Worker’s Compensation?
Worker’s compensation is a type of insurance that provides financial support and medical care to workers who are injured or become ill due to their job. Most businesses are legally required to carry worker’s compensation insurance. This coverage is provided at no cost to the employee, ensuring that they have access to the resources they need to recover. In addition to helping injured workers, worker’s compensation also protects employers by reducing their liability for workplace accidents.
Now, let’s address some common myths about worker’s compensation.
Myths Debunked
Myth 1: Worker’s Compensation Is Only For Physical Injuries.
This is false. While worker’s compensation does cover physical injuries like fractures, burns, or repetitive strain injuries, it can also provide benefits for mental health conditions. If your job has caused or exacerbated conditions like depression, PTSD, or anxiety, you may be eligible for compensation. Mental health injuries are just as valid as physical ones.
Myth 2: Worker’s Compensation Is Only For Large Companies.
This is not true. Small businesses are also often required to carry worker’s compensation insurance, depending on state laws. In fact, this insurance can be especially beneficial for small businesses, as it helps cover the costs associated with workplace injuries or illnesses, protecting both the worker and the employer from financial strain.
Myth 3: Worker’s Compensation Only Covers Incidents On The Job Site.
Many people believe that worker’s compensation only applies to accidents that occur within the physical workplace, but this is incorrect. If you are injured or become ill while performing work-related tasks offsite — such as running errands for your employer, attending a business meeting, or traveling for work — you are still covered under worker’s compensation.
Myth 4: You Can’t Use Worker’s Compensation If The Accident Was Your Fault.
One of the biggest misconceptions about worker’s compensation is that fault matters. Worker’s compensation is a no-fault system, meaning it provides benefits regardless of who is to blame for the accident or illness. The goal is to ensure workers receive the support they need without lengthy disputes over fault.
Why Debunking These Myths Matters
Understanding the truth about worker’s compensation can empower employees to access the benefits they deserve. If you’ve been injured or become ill because of your job, don’t let myths prevent you from seeking help. Speak with a qualified worker’s compensation attorney to learn about your rights and options.