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Home Page > Business > Workers’ compensation program: employee/employer friendly
Workers’ compensation program: employee/employer friendly
Posted: Oct 18, 2010 |Comments: 0
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Workers’ compensation program: employee/employer friendly
By: GertrudePetty
About the Author
If you’re interested,then visit www.reemployability.com and see how we can help you.
(ArticlesBase SC #3497632)
Article Source: http://www.articlesbase.com/ – Workers’ compensation program: employee/employer friendly
In most states, it has been enacted that employers provide medical services and other benefits to employees who injure themselves during their work hours. Provided that the injury they sustained is work related. This program gave a total turn around to employers who refuse to give compensation to employees who encounter mishaps in their line of work. Before the regularization of workers compensation, situations like these often end up in court, making the employers pay large sums of money to the employee. However, the process may take too long and may be too late to actually help the injured employee.
This prompted employers to avail insurance for their employees to provide for their needs when they are unable to go to work because of a work related accident. This also limits the liability of an employer. The program promoted efficiency of the employees, because they are confident that should an accident happen to them, they will receive medical services, and better relationships between employee and employer.
Large employers often set up a pool fund for emergency cases; they act as their own insurance company, having funds readily available. Smaller employers take the role of insurance companies, shouldering medical expenses for their employees. In some states both approach are being used.
Long lists of jobs are under the list of eligibility for coverage of workers’ compensation program, some of the few ones that cannot be covered are: independent contractors, farm workers, rail road employees, and unpaid volunteers.
Started in 1985, workers’ compensation program, aimed to help not only injured employees but also employees who contract occupational diseases. The black lung or pneumoconiosis is a common disease miners develop in the course of their job. A report has to be made as soon as the employee learns about his disease. Medical observations and reports will be made to support the claim or disapprove if the disease does not seem related or may seem impossible to be contracted or developed in the work place.
Knowledge of workers’ compensation program is very essential to all employees, especially to blue-collar workers who are most prone to accidents every single working day of their lives. A lot of misconceptions lead to unclaimed benefits, defeating the purpose of the program.
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