When accidents happen at work and lead to injuries, the Virginia workers’ compensation system exists to protect you.
Understanding workers’ compensation can feel confusing, especially if it is your first encounter with it. To simplify things, here are straightforward answers to some common questions about this system.
What is workers’ compensation?
Worker’s compensation is an insurance type that all employers with 3 or more employees must carry in case employees sustain injuries on the job. It covers medical treatment and a portion of lost wages if work causes your injury or illness.
What if my Employer is uninsured or Workers’ Compensation?
If your employer does not have Workers’ Compensation insurance, but has 3 or more employees and you are injured, you may have a claim against the Uninsured Employers Fund (UEF). This fund provides insurance-type coverage to protect employees.
Who qualifies for workers’ compensation?
If you are an employee in Virginia and sustain an injury by accident arising out of your employment, you likely qualify for workers’ compensation. The system does not consider who is at fault for the injury or illness.
How do I file a workers’ compensation claim?
You should report your injury or illness to your employer as soon as you can. Your employer should then report it to the Virginia Workers’ Compensation Commission and their insurance company. You can also file a claim with the Commission directly to protect your rights.
What benefits can I receive?
Workers’ compensation can provide you with benefits such as medical treatment for your injury or illness, payment for a part of your lost wages and compensation for any permanent disability or disfigurement due to your work-related injury or illness.
What if they deny my claim?
If your claim faces denial, you can dispute it with the Virginia Workers’ Compensation Commission. This process will need you to provide evidence to support your claim, which may include medical records, witness statements and more.
Workers’ compensation’s primary goal is to ensure you receive the help you need if your job results in injury or illness. Therefore, do not hesitate to assert your rights and get the benefits you deserve.