If you cause or partly contribute to a workplace accident where you suffered injuries, you may be at a loss regarding your eligibility for workers’ compensation benefits. In the face of substantial medical bills or potential loss of wages, your concerns are legitimate.
Here is what you need to know if you find yourself in such a situation.
Workers’ compensation is a no-fault system
A no-fault system means that emphasis is placed on compensating the victim rather than finding out whether they were liable or not. Therefore, you can still recover compensation benefits even if you were partially or fully responsible for your accident as long as it was related to your job. Workers’ compensation does not usually cover accidents beyond your employment scope.
Additionally, there are instances where your claim may be denied even if the accident occurred at the workplace. For example, if you were intoxicated at the time or your actions were intentional, you may not receive any benefits. Equally, if you ignore obvious safety measures put in place by your employer, your compensation claim may be dismissed.
Protecting your rights
Even if you were at fault, you need to follow through with your workplace accident like you would any other. This includes making your employer aware on time; otherwise, your claim could be time-barred.
Remember, you have a right to compensation for a valid workplace injury claim. However, you may encounter hitches with your claim ranging from frustration by your employer to issues with the insurer regarding your claim. Therefore, it is important to be aware of your rights and protect them throughout the claims process. Knowing what to expect at every stage will ease everything for you and help you prepare yourself if your claim is denied.
