There are several risks and hazards related to working that a worker is exposed. An employee is likely to, for example, suffer from work related injuries and illnesses and sometimes incapacitation. To cover employees against employment related risks, every employer needs to have a workers’ compensation insurance. Although not every employer has this cover, it is a must have insurance cover to all employers in some countries. If an employer sustains the covered risks while still on duty, then a compensation has to be effected in favor of the affected employee. The compensation is only done if the worker sustained the injury or the ailment while still attending his duties.
There are several risks that may be covered in the compensation insurance for the workers. This insurance coverage for the workers may also not accept cover some types of threats. For example, the employee will not be compensated in case the injury occurred when he was under the influence. Even before the compensation can be made, some accidents will call for a test to check whether the worker was under alcohol or drug influence. If the cause of the injury was as a result of individual mistakes, compensation will also not be made to such a worker. If the worker sustained the injury outside the organization where he works, the compensation will also not be done.
After the employee has sustained an injury, there are several costs and expenses that the insurance will cover. In most of the cases, the insurance coverage will cover the all the expenses that the worker needs for meet all the medical expenses. This means that the affected worker will not require to spend his savings to cater for his medical bills. The costs of replacement, training and replacement costs will also be covered by the workers’ compensation insurance. The compensation will be made to the survivors in the case where the worker died during the course of the duty. These are beneficiaries to the deceased employee.
The workers’ compensation insurance will cover almost every kind of employee. However, there are some workers who are not eligible to be included in the workers’ compensation insurance coverage. Business owners, employees working as volunteers, casual laborer’s and individual contractors are some of the people who cannot be benefit from the workers’ compensation. Additionally, if you are working in a private home, you are also excluded from the coverage.
You have an option of taking the employer to court of law if you suffered an injury as a result of workers carelessness. However, if you choose this option, you will be out of the workers’ compensation.