If you or a loved one was hurt in an accident at work, you could be eligible for workers’ compensation benefits to help cover your medical bills and lost wages. As long as you meet eligible, you may be entitled to benefits regardless of whether or not you were at fault for the accident. However, it is important to note that if you choose to seek this type of protection, you will typically have to forfeit the right to file a lawsuit against your employer to seek additional compensation.
What Are the Workers’ Compensation Eligibility Requirements You Must Meet?
Generally, applicants must meet 3 basic requirements to prove their eligibility for worker’s compensation benefits. These include:
· You must be an employee
· You must have a work-related illness or injury
· Your employer must currently carry worker’s compensation insurance coverage
To help determine where you may fall in terms of workers’ compensation eligibility, continue reading below.
Requirement #1: You Must Be an Employee
This may sound like an easy requirement to fill but in some cases, businesses hire independent contractors like freelance workers and consultants. However, many regularly employed workers like drivers for popular ride-sharing services have has disputes with their employers in the past. If you’re unsure which category you fit into, talking to a workers’ compensation attorney can help.
Requirement #2: You Must Have a Work-Related Injury/Illness
Typically, if you were completing a task or job at work and become injured or ill as a result, you should qualify for workers’ compensation benefits. But in cases where you were off the clock, say on a lunch break or driving to work in your privately owned vehicle, you may not qualify for benefits.
Requirement #3: Your Employer Must Have Worker’s Compensation Insurance
The majority of employers are required to carry this type of insurance coverage but in some cases, they may not be. If your employer is making it difficult to file for workers’ compensation benefits, it is in your best interest to speak with a workers’ compensation attorney as soon as possible.