Workers’ compensation is a type of insurance that employers have to cover work-related injuries and subsequent damages—such as resulting medical fees and lost wages. While most employees are entitled to this protection, many myths surrounding the coverage prevent injured parties from seeking benefits. To help ensure that you haven’t missed out on benefits, here are a few common myths about workers’ compensation that you shouldn’t believe.
5 Workers’ Compensation Myths & The Truth Behind Them
1. Small Businesses Don’t Need It
It’s widely believed that only larger corporations need to offer workers’ compensation. In reality, Wisconsin law requires all employers to have coverage if they hire three or more workers in a calendar year. Additionally, those with fewer than three employees must have workers’ compensation if they pay wages over $500 per quarter. Farmers must also be covered if they have six or more workers employed for 20 days or longer in a calendar year.
2. Filing a Claim Will Get You Fired
Employers cannot fire you for filing a workers’ compensation claim—even if your injury prevents you from doing work. If you are dismissed, the employer must prove that it is for reasons unrelated to the injury.
3. Valid Claims Only Apply to Injuries That Happen On-Site
The majority of workers’ compensation claims do stem from incidents that occurred while working on-site—such as slipping and falling. However, injuries incurred while driving on company property, driving off-site for work, or performing work off-site may qualify for benefits.
4. Employers Must Be Notified Immediately
In general, the sooner you inform your employer of your injury, the better it is for your case. However, you can have a successful claim so long as you report the incident within 30 days. In some circumstances, claims may be valid for up to two years, so long as the employee has enough evidence to support it.
5. Hiring an Attorney Will Cost Too Much
When you want to get the most out of your workers’ compensation benefits, hiring a personal injury lawyer is recommended. Still, many avoid this representation because they are afraid it will severely diminish the payout. While attorneys do carry fees, it’s important to note that they will not exceed any potential benefits or prevent you from getting a sizable payout to cover damages.
If your health has been affected by a job-related injury, turn to the experienced attorneys at Fitzpatrick, Skemp & Associates, LLC. Based in La Crosse, WI, these personal injury lawyers are recognized for providing personalized assistance to support workers’ compensation claims. With an in-depth knowledge of current laws and disability programs, these attorneys will help you recover funds required for lost wages, medical costs, and more. To learn more about these services, visit this law firm online or call (877) 784-1230.