If an employee is hurt at work, the company is often accountable for all of that individual’s medical care, lost wages, business rehabilitation, and in the worst-case situation, survivor benefits.
Unfortunately, many organizations who use day laborers do not cover them with workers’ compensation coverage. If you are hired through an agency, the agency is often accountable for paying workers’ compensation on behalf of its day laborers.
The workers’ comp claim process may vary based on the state where the claim is being made. For the most part, it is a rather simple process. Since a workplace injury or illness can have a significant impact, it’s essential to begin the claims process as soon as possible following a work-related illness or injury.
If a day laborer is injured, the most crucial first step is to ensure they receive the care they need. The worker or their legal representative should then contact the company about the workplace injury or illness. The company can then contact their workers’ comp provider and send in a claim. Based on the state the company is in, the day laborer’s supervisor may also have to inform a state-run workers’ comp board member. The insurer is then responsible for reviewing the claim and validating or denying benefits.
Consider the following things that are covered through workers’ compensation coverage.
Immediate medical costs
A company should take every sensible step to keep work site injuries and illnesses from happening. But despite the best laid plans, accidents still occur.
When a day laborer is injured and requires medical attention, the staffing agency is often accountable for covering the cost through workers’ comp. The policy can cover the cost of emergency room visits, ambulance rides and other medical bills.
A company may not be accountable for every kind of day laborer injury. Accountability is based on the worker’s status and the industry. In general, every worker that has filled out a W-2 form is eligible for workers’ comp benefits.
Workers’ comp is also used to cover a portion of pay lost due to an on-the-job injury or illness. Some workers’ comp policies offer the company the option of covering a percentage of workers’ lost pay or a fixed dollar amount.
Long-term medical costs
At times, an on-the-job injury or illness is very acute, and the worker needs long-term medical care, including surgeries, rehab and medical scans. Regardless of whether that worker ever returns to work, the company may be accountable for the cost of this care through a workers’ comp policy.
Funeral costs and associated benefits
If a tragedy strikes and an accident ends with a worker being killed, workers’ comp can handle finances for funeral expenses. This is intended to ease the burden on staff members and the worker’s grieving family.
Some workers’ comp policies also cover death benefits, including support payments to the deceased worker’s dependents.
At Nationwide Temporaries, we work hard to ensure our workers are put into the safest possible working environments. Please contact us today.