When an injury occurs on the job, employees typically have a safety net in workers’ compensation. This system is designed to provide financial and medical support to those who suffer from work-related injuries or illnesses.
Some employers attempt to bypass the legal system, offering to cover an injured employee’s medical expenses directly. While this might seem reasonable, there are compelling reasons to decline the offer and follow workers’ comp procedures.
Legal rights and protections
In addition to compensating you for an injury, your claim protects your current and future rights. It can provide coverage for crucial future health care benefits that an employer’s direct payment may not cover. Examples include long-term physical therapy and potential disability benefits.
Comprehensive coverage
Workers’ compensation addresses more than immediate medical bills. It can provide benefits like partial lost wage replacement, rehabilitation costs and potential long-term care. Your employer probably cannot or will not guarantee these benefits.
Avoiding potential conflicts
Using the provided workers’ comp framework for your injuries can prevent conflict with your employer. For instance, if they are footing the bill, they may disagree with treatment costs and refuse to pay. Following procedure involves a fair claim assessment by unbiased parties.
Setting safety precedents
Exercising your workplace injury rights helps set a precedent for the fair treatment of future injured workers. It contributes to a system that holds employers accountable and encourages safer work environments.
This brings up another potential issue. If you decline your employer’s offer and they try to block your claim, know that this is unlawful. Legal guidance can protect your rights and your injury compensation.