Imagine getting hurt on the job and then having to sue your employer to prove they were at fault for your workplace injury.
That’s how it was in the early 1900s. Back then, workers had to go to court if they wanted to claim their injury was the result of an unsafe work environment.
Labor laws have changed dramatically – for the better – since those days. By 1949, employers in every state in the U.S. were required to provide some type of workers’ compensation insurance for their employees.
Now, depending on what state you live in, workers’ compensation insurance can provide money for lost wages, reimbursement for medical bills, and even life insurance for your dependents if you die on the job.
If, as we do, you happen to run a business in Colorado, state law requires a business to have workers’ compensation coverage if they have even one employee.
According to government statistics, there are approximately 3 million work-related illnesses and injuries reported every year, or approximately 2.9 cases per 100 full-time employees. Benefit payments totaled nearly $62 billion for the most recent year in which figures were available.
Construction, as you might imagine, sees its fair share of work-related injuries but so does manufacturing, the retail sector and even finance and insurance, among others.
So, what are some of the do’s and don’ts for employers and injured workers considering filing a workers’ compensation claim? Let’s start with employers:
Here, too, are a few do’s and don’ts that, if you’re an employer, you can share with your workers:
Michael Kline is a CCIG Vice President. Reach him at Michael.Kline@thinkccig.com or 720-212-2042.
CCIG is a Denver-area insurance brokerage with personal and business insurance clients nationwide. We do more than make sure you have the right policy. We also help you lower your long-term cost of insurance with our risk and claims management expertise and a commitment to service excellence.
Related: Why Workers’ Compensation Isn’t for Workers OnlyBack to Resources