Question by QuizZy: What is worker compensation and should i file a claim?
I live in Virginia and recently about last week i had injured myself while working when a piece of metal about a size of a rice fell in my eye and i had to go to urgent care to take care of it. It wasn’t serious they just poke my eye with a Q-tip to take it out. And couple of days later i got a claim letter in the mail asking me if i want to file a claim. I was just wondering if its necessary to file a claim for this and what are the good and bad outcome out of it.
Answer by crazydave
Worker’s Compensation is insurance that covers employees if they are hurt on the job. Employers pay premiums based on employee’s wages. Certain jobs are inherently more dangerous, so those premiums are more expensive. For example, premiums for a typist would be less expensive than premiums for a truck driver.
If you are hurt on the job, your employer has forms that need to be filled out. Worker’s comp will pay for your medical expenses and lost time from work. If you are seriously injured and have a permanent injury, you may qualify for a lump-sum settlement.
In New York, forms must be filled out within 10 days of an on-the-job injury.
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