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What is Workers’ Compensation and How Does it Work?

Workers’ compensation can be a daunting subject – especially when you’re learning about it because an accident has occurred and you need quick answers. In a nutshell, workers’ compensation protects employees and businesses from financial loss in the event of an injury or work-related illness on the job. There can be devastating costs in work-related incidents and it’s important to make sure you’re covered.

What is Workers’ Compensation?

A type of insurance typically purchased by businesses, workers’ comp provides coverage to individuals who are injured on the job or develop a work-related illness. Each state is in charge of their own workers’ comp programs which means laws vary depending on where you’re located. In South Carolina, you are required to report all injuries at work to your employer immediately and request medical treatment. If you do not do so within 90 days of the accident, you risk losing your benefits.

How Does Workers’ Compensation Work?

There are two types of workers’ compensation data that are filed when an accident occurs. First, is claims information which is filed after a worker is injured and includes how, what, where, and when the injury occurred. Second, is employer information. Employer information is data that the insurers and employers collect that states types of hazards present in the workplace. If you have been involved in an injury on the job, read our blog on the 5 Steps to Take If You’ve Been Injured at Work.

What If I’ve Been Denied Coverage?

If you have been denied benefits, the Philpot Law Firm can guide you through the appeals process allowing you to focus on getting better. Our expert attorneys will handle the details of your case, including obtaining the medical care you need and recovering lost wages. The Philpot Law Firm fights for maximum South Carolina workers’ compensation insurance benefits for work injury victims.

Call the Philpot Law Firm for dedicated and personalized support with your Workers Compensation Insurance claim.