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Accidents Happened

Accidents on the job are bound to happen no matter how careful everyone is. It can be devastating to get injured on the job. Facing sudden, unexpected loss of income is stressful at best. Every state has laws to protect workers that get injured on the job. It requires employers to provide workers’ compensation insurance to employees. If you are injured on the job, you could be eligible to collect workers’ compensation.

Workers’ Compensation Laws

Every state has its own set of rules when it comes to workers’ comp. Virginia has the Virginia Workers’ Compensation Act. It requires that most employers carry some kind of Virginia workers compensation insurance. It protects both employers and employees. Employees don’t have to worry about getting sued in the case of an accident. Employees receive coverage for doctor’s bills and lost wages.

Coverage

To receive payments, the injury must have occurred while you were in the course of employment or doing something on behalf of your employer. Under Virginia laws, the injury must have happened at work or during a specific work-related activity, be caused by a specific work activity or have happened suddenly at a specific time. Injuries covered by repeated trauma or gradually over time are not covered. Employee’s misconduct or injuries that occur outside of the scope of work at not covered.

If you are injured on the job, you may be covered by your employer’s workers’ compensation insurance. It is there to protect you and your employer. Don’t wait until it is too late to file a claim.