A work accident is more than just an inconvenience in your life. It can affect your physical health and your financial stability, especially if you required time away from work as you recovered. Work accidents can be devastating, but injured victims may have a rightful claim to financial support through workers' compensation benefits.
Most employers must carry this type of insurance. However, just because you were hurt at work and your employer has workers' compensation insurance does not mean you will get benefits. It is prudent to learn about how this process works, the eligibility requirements and what type of injuries this insurance covers. If you think you may have a rightful claim, it is smart to take quick action to protect your interests.
How do I know if I am covered?
It takes more than just an accident and an injury to qualify for workers' compensation benefits. In order for an injury to qualify for a claim, it must be something you suffered as a result of your work duties, at work or while you were in the process of carrying out a job assignment. Workers' compensation may even cover the following types of incidents:
- Injuries that happened during your lunch break or while taking a permitted break while still on company grounds
- Car accidents that happened while driving for your job
- Incidents at company functions or parties where alcohol was served
If you are a Mississippi worker who suffered in an accident related to your job, you would be wise to take quick action to find out if you have a rightful claim to these benefits.
There are certain types of employees who may not qualify for workers' compensation benefits. Agricultural workers, seasonal workers, domestic employees and undocumented workers may not be able to seek these benefits.
Understanding your options
Many workers find it beneficial to seek an evaluation of their case as soon as possible after an accident in order to understand the options available to them. Whether you are unsure if you have a claim or you want to learn more about what to expect from the process, you are entitled to answers and the information you need.
A work accident can lead to medical bills, lost wages and even compromise your ability to do your job. This is not a burden you have to carry alone, but you can take immediate steps to find out how to claim workers' compensation benefits.