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Understanding how workers’ compensation applies to you

When you are injured at work, you are likely to be overwhelmed by the prospect of lost wages or high medical fees, no matter whether your injury is minor or serious.

The workers' compensation rules and guidelines can be difficult to navigate, and many injured employees become unnecessarily worried that claiming workers' compensation might make them vulnerable to retaliation or that they might be more likely to lose their job.

The following are some facts on workers' compensation that will make things clearer.

What is the workers' compensation law?

Workers' compensation law is created to protect workers, first and foremost. It acknowledges that workers, especially those who work in high-risk environments, have the right to financial protection and compensation when they have been injured while carrying out their job. It means that a worker will have his or her medical costs covered in most cases, but it also promises to cover a large part of the worker's lost wages in case he or she is unable to work for a long or short period of time.

Does fault need to be proven?

For those who are covered under workers' compensation insurance, fault does not need to be proven. It only needs to be proven that you suffered the injury or illness due to the working conditions that were present.

If you have suffered from an injury or an illness at work, then it is important that you know what your rights are. You should take action by notifying your employer of your situation, and then by making a formal application for the workers' compensation benefits.

Source: LBL, "Facts about Workers' Compensation," accessed Dec. 28, 2017

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