Worker’s compensation is a law designed to protect the rights of workers if they get injured while performing their duties at work. It’s also legislation aimed at encouraging every employer to ensure a workplace is focused on health and safety regulations and standards.
Just like there is compulsory third party insurance when you register a vehicle, worker’s compensation is also a compulsory insurance to protect employees against loss of income when injured at work.
Worker’s comp doesn’t just include actual physical injuries either. It also covers catching a disease through the course of doing your job, something that definitely does occur when working in the medical profession, for example.
Each instance of a worker’s compensation claim can be a little different, depending on the circumstances surrounding it, and when it comes to workers injury compensation claims, it’ll be hard to determine what amount of compensation you might receive without first speaking with a law firm that specialises in WorkCover claims.
Another important thing to take note of is that every Australian state has slightly different rules and regulations when it comes to worker’s compensation, so you really need to check the legislation of your state.
What Is WorkCover?
Is “WorkCover” just another name for worker’s compensation?
It is, but it also encompasses more than just worker’s compensation insurance.
WorkCover is a governing body and legislation put in place to ensure safe and healthy work environments. It’s aimed towards business owners and employers to enforce compliance with health and safety laws.
WorkCover also manages workplace injury and worker’s compensation legislation, along with looking after the worker’s compensation system.
There is also the term “WorkCover insurance”, which in effect means your worker’s compensation cover in the event of suffering a work related injury.
What Does Worker’s Compensation Cover and What Can You Claim?
Obviously, it covers injuries in the workplace, as well as diseases contracted as a result of performing your work tasks.
What you can claim really depends on the individual circumstances and the severity of the issue, but generally you’ll be covered for part or all of your regular wage while you’re unable to work, medical expenses to treat your injuries, hospital charges, rehabilitation expenses, and possibly a lump sum payout if you’ve suffered a permanent disability as a result of being injured at work.
People go to work to earn money. If you get injured in the workplace and cannot work for a period of time, then it’s only fair and just that you receive monetary compensation for that.
When Can You Claim Worker’s Compensation?
Anyone who is injured at work, driving a work vehicle, and travelling to or from work can potentially make a worker’s compensation claim.
While you may not wish to go ahead and make a claim for a very minor injury, the reason for the injury should be brought to the attention of the employer, if it was due to something in the workplace being unsafe.
Flaws need to be corrected before they lead to a more serious injury. Your boss may not even be aware that something is presenting a hazard until it’s pointed out to them.
In any event, if you get injured at work, then you are well within your rights to claim worker’s compensation.
How To Go About Making a Claim
You could go it alone or have a chat with your medical professional, but you’re far better off enlisting the help of a law firm that deals in workers compensation claims all the time.
At the end of the day, claiming worker’s comp means dealing with insurance giants, and who better to take them on than a specialist lawyer?
Your lawyer will work hard to get you the maximum compensation payout and the very best deal. Many law firms in this field don’t even charge you an upfront fee, and only bill you when they’ve actually won your case.
You’ll also find that you can have a first up chat with a lawyer for free, so you have a chance to discuss your case and your options, without obligation and at no cost to you.
If you suffer an injury at work, don’t just let it slide. Talk to an expert.