Workers Compensation in Salt Lake City, UT
You aren’t alone if you ask “How does workers comp work?” Workers’ compensation is a type of insurance that provides wage and medical benefits to people who have become ill or injured while at work. The extent of workers’ comp coverage an employer is required to carry is governed by Utah state law. Thus, in trying to figure out how workers comp works, it helps to understand the laws on the books in the state where the business operates. If the injury or illness a worker sustains is eligible for compensation, the insurance carrier should help ease the financial burden the illness or injury created on the worker. Learn some of the basic principles of Salt Lake City, UT workers’ compensation insurance and how the process works.
Workers Compensation Statistics in Salt Lake City, Utah?
The Utah Labor Commission reports that the industry with the highest injury rate is leisure and hospitality. The education and health services industries also reported a large number of workplace injuries. The majority of work-related injuries in Salt Lake City are caused by overexertion, falls, and contact with objects. The most commonly reported injuries are sprain, strain, and tears. Although some of these injuries are minor, many still result in missed work. The Bureau of Labor Statistics reports that the most severe injuries typically occur in construction, transportation, and maintenance jobs.
How Does Workers Comp Work in Salt Lake City, Utah?
Unfortunately, going through the process of applying for workers’ compensation begins with getting sick or injured on the job. The circumstances surrounding the incident that led to your problems are especially crucial. For example, the injury had to occur during your regular work duties. While an event that happens during your lunch break wouldn’t apply, getting into a car accident while running an errand for your boss would qualify for a claim.
According to the Utah Labor Commission, all Utah employers are required to carry workers compensation insurance. However, there are some limited exceptions for agricultural, domestic, real estate, and insurance workers. Injured employees in Salt Lake City can be eligible for medical coverage, lost wages, and death benefits. In addition, all reasonable and necessary medical treatment is included, but it must be from an authorized provider. If your injury causes more than 3 days of missed work, you may also receive disability compensation. The amount of this benefit is based on up to 66% of your average weekly wage, with a maximum payment of $702 per week.
For example, say your supervisor asked you to drop something off on your lunch break. While running this errand you then get in a car accident on your way to the destination. Any resulting injury is eligible for workers’ compensation. However, if you are on your lunch break, performing no such task when you get in an accident, it does not qualify for a claim.
The steps you take immediately following a workplace incident in Salt Lake City, UT are critical for purposes of filing a claim for compensation. Follow the following steps to preserve your rights and learn how workers comp works.
Get Medical Attention
After you get injured or feel ill, the first step is to see a doctor. Don’t delay seeking help from a Salt Lake City, UT healthcare professional. This could not only jeopardize your health, but you run the risk of missing time-sensitive deadlines in the workers’ compensation process. Having a proper medical report that details the extent of the damage and how it occurs is the first step in the process. Your employer cannot file a claim with their insurance carrier without this information.
When dealing with a job-related illness, the symptoms and diagnosis may not happen right away. You may find yourself attending regular checkups and testing for weeks or months before a doctor finally associates your illness with your job. Your doctor may make the determination that the illness is either the result of your work conditions or aggravated by them. Once they do, see your human resources representative to file a workers’ compensation claim.
File a First Report of Injury
The first report of an on the job injury or illness will provide the workers’ compensation insurance carrier with the details of the events leading up to the injury. In this report, you will provide your physical injuries, the medical treatment you received and the facilities that provided it. It’s always a good idea to bring a copy of the doctor’s report to submit with the report of injury.
The Utah Labor Commission requires injured Salt Lake City employees to notify their employer of the injury within 180 days. In addition, a workers compensation claim must be filed within one year of the injury.
Timeline and Other Information
Once you file a claim, the insurance company typically has 21 days to approve or deny the claim. Once approved, temporary disability will continue until you are able to return to work or until your recovery has stabilized. The duration of these benefits is 312 weeks. However, if your injury results in a permanent disability, the benefits will be determined by an impairment rating assigned by your doctor.
Your employer should furnish you with information about the claims process. The adjuster or insurance carrier representative may want to speak to you at some point. Typically about the incident and to any possible witnesses to the event. In the meantime, the workers’ comp insurer may begin paying medical benefits while the investigation into your claim continues.
Why You Should Hire a Salt Lake City, Utah Workers’ Compensation Lawyer
While workers’ compensation claims may be straightforward for some cases in Salt Lake City, Utah, in others, it may be more difficult. Your employer might ask if you suffer an injury on the clock or your own time. It’s also common for a company to question the full extent of your injury. Hiring a Salt Lake City workers’ comp lawyer ensures that you have an advocate to fight for your rights as a victim.
Work With an Experienced Local Lawyer In Salt Lake City, Utah
If you are hurt or contract an illness as a result of your job in Salt Lake City, UT you need to find the right people to help. Since the workers’ compensation claims process can have pitfalls, you should consider getting a local attorney who knows how to avoid them.
Submit a request online or call us today at (866) 345-6784 to get in touch with an experienced lawyer in your area!