Home » International » business insurance » What To Do When You’re Hurt At Work

What To Do When You’re Hurt At Work

One of the responsibilities of a business owner is to ensure the safety of employees and anyone who are on the premises of the business. The government mandates enterprises to follow certain safety rules and guidelines imposing legal consequences to those who don’t adhere. Having said that, your employer can be held liable if you get hurt in the workplace.

Every business that employs individuals must have different types of insurance, including workers’ compensation. If you get hurt or suffer from an injury at work, you may be entitled to workers’ compensation benefits. You can also take your complaint further to the court, but before doing so, make sure that you’re aware of its implications on your benefits.

So what are the essential steps that need to be done when you’re involved in a work accident and get hurt? Check them out below.

  • 1.Report To Your Supervisor

Whether it’s a small injury or you’re seriously hurt, letting your supervisor know about it is crucial. If you’re discussing the incident with your supervisor, ask for any relevant procedure or rules that your employer implements. If there are any, ask for your supervisor’s assistance in adhering to them.

Reporting of the injury should be done immediately, but if it is not practical, make sure to do it as soon as possible, ideally before the workday ends. Not informing your supervisor or employer about the injury results in a more difficult process of proving that it indeed happened at work. Aside from that, you might lose the right to claim workers’ compensation benefits once the specified period of reporting is up.

Make sure to document every step you do as your documentation can serve as a piece of evidence supporting your claim. Detail every information, including dates, times, and the people present in the scene.

  • 2.Seek Medical Help

If you’re involved in an accident and sustain an injury, you should seek medical help immediately. If you’re in the office, go to the clinic for first aid treatment while waiting for professional medical help. If you’re on the field doing your job, call for medical assistance right away.

Once you’re discussing the incident with a doctor, it is essential to give detailed information, including all your symptoms and the body parts experiencing pain. Even if it’s not serious and doesn’t warrant immediate treatment, it may progress to a more serious condition in the future. In this case, preventive care is advisable.

  • 3.File A Workers’ Compensation Claim

Workers’ compensation benefits are payments made to you for the injury you sustained while performing your work. Such payments cover things like:

  • Lost wages
  • Lost retirement income
  • Medical costs
  • Travel costs of going to the doctor or therapists

Talk to your employer about the process of filing a workers’ compensation claim. Typically, the filing is made by employers. If so, make sure to follow up on your claim regularly. It is also a good idea to request a copy of the claim for your reference.

  • 4.Reach out to a workers’ compensation attorney

In the event your case is not covered by workers’ compensation, you can opt to file a lawsuit against your employer. In this case, you need the assistance of an expert workers’ compensation attorney. If the suit is successful, you may be able to receive damages for the losses as specified earlier as well as payments for pain and suffering you experienced because of the injury.

Accidents and injuries at work are too common, but it doesn’t mean that we should live with them without doing anything. Learn what you can do if ever you get hurt at work, and stand for and defend your rights as an employee.