Workerscompens – Sure, I’d be happy to help fact-check 11 common misconceptions about workers’ compensation insurance:
Misconception: Workers’ compensation insurance only covers workplace injuries caused by accidents.
Fact: Workers’ compensation insurance covers not only accidental injuries but also illnesses caused by work-related conditions.
Misconception: Only employees who work in hazardous industries need workers’ compensation insurance.
Fact: All employers are required by law to have workers’ compensation insurance, regardless of the industry they operate in.
Misconception: Workers’ compensation insurance is only for full-time employees.
Fact: Workers’ compensation insurance covers all employees, including part-time and seasonal workers.
Misconception: Employees can’t file a workers’ compensation claim if they were partially responsible for their injury.
Fact: Workers’ compensation insurance is a no-fault system, which means that employees can file a claim regardless of who was at fault for the injury.
Misconception: Workers’ compensation insurance only covers medical expenses.
Fact: Workers’ compensation insurance covers not only medical expenses but also lost wages, rehabilitation, and other related expenses.
Misconception: Employees have to prove that their employer was at fault for their injury to file a workers’ compensation claim.
Fact: Workers’ compensation insurance is a no-fault system, which means that employees do not have to prove that their employer was at fault for their injury.
Misconception: Employers can’t be sued for workplace injuries if they have workers’ compensation insurance.
Fact: Workers’ compensation insurance is designed to provide a no-fault system, but in some cases, employees may be able to sue their employer for negligence.
Misconception: Employees have to see a doctor chosen by their employer to receive workers’ compensation benefits.
Fact: Employees have the right to choose their own doctor to treat their workplace injury or illness, but the doctor must be approved by the workers’ compensation insurance carrier.
Misconception: Workers’ compensation insurance is only for physical injuries, not mental health issues.
Fact: Workers’ compensation insurance covers both physical injuries and mental health issues caused by work-related conditions.
Misconception: Workers’ compensation insurance is only for injuries that occur on the employer’s premises.
Fact: Workers’ compensation insurance covers injuries and illnesses that occur both on and off the employer’s premises, as long as the injury or illness was caused by work-related conditions.
Misconception: Workers’ compensation insurance is only for injuries that occur during regular work hours.
Fact: Workers’ compensation insurance covers injuries and illnesses that occur both during and outside of regular work hours, as long as the injury or illness was caused by work-related conditions.
