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WORKER'S COMPENSATION
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Overview of Workers' Compensation Laws
The Worker's Compensation Act provides an array of benefits for employees injured while they are in work. The term "workers' compensation" refers to a system of laws that summarize particular settlement that are entitled to injured employees, and the procedures for acquiring such benefits. Each state has its own workers' compensation laws and varies a bit from one state to another. Moreover, there are special, federal workers' compensation laws for federal government employees and other, specific industries.
However, under the law in most states, each firm must have some sort of workers' compensation insurance to cover the expenses of injured employees. Unlike what many people think, filing a workers' compensation claim isn't a lawsuit against an employer, but instead a request for benefits. If you have had an accident and injured yourself at work, legal experts like us at Mayer B. Gordon & Associates, experienced in workers' compensation law can ease the complications of workers' compensation and help you secure the maximum benefits to which you are entitled.
In Michigan, employers are required to provide workers' compensation insurance for their employees. Workers' compensation insurance may be provided through a private insurance carrier, or employers may also self-insure. Waivers may be permitted on certain cases.
The Purpose of Workers' Compensation Laws
Workers' compensation laws exist mainly to allow the injured employees to receive compensational awards seamlessly and avoid them litigate their claims against their employers. Many of the workers' compensation laws also provide cushion to employers and co-workers by limiting the amount employees can claim from their employers, and barring, in most cases, injured employees from prosecuting their co-workers.
Steps you should take if you are injured on the job:
- Report the injury in writing to your employer and keep a copy of the report for personal records.
- Complete a claim form completely and specifically. Until this form is completed, the employer has no obligation to provide you benefits. Once your employer receives your claim form, it is then the employer's responsibility to immediately notify its workers' compensation insurance company and arrange medical assistance for you.
- File the claim quickly to avoid delays in receiving benefits.
Should a dispute arise regarding the claim, you can request help from the workers' compensation commissioner's office in your state or even contact an experienced workers' compensation attorney like Mayer B. Gordon & Associates.
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