Large cosmopolitan cities are over-populated, as many people prefer not only the conveniences they offer but also the job opportunities and the benefits that are available. The number of work accidents is proportional to the amount of workers; that is, the more workers, the higher the percentage of work accidents.
If you, a friend, or a family member has had an accident, you need to know what types of work-related accidents are covered by law.
Workers’ compensation law provides benefits to employees who have suffered accidents at work. The term employee is used because independent contractors do not qualify. However, the fact that your employer gives you the title of independent contractor is insufficient; usually, if your employer stipulates your work hours, the clothing you must wear, and provides you the tools, you are an employee, no matter what title your boss gives you.
What type of work accidents are covered by this insurance?
- Falling or slipping in an office or bathroom because of wet or damaged flooring.
- Twisting an ankle in the cafeteria of the building where you work.
- Simply falling or slipping, as long as it was not on purpose.
- Fracturing a bone at work, as long as you were not under the influence of alcohol and/or drugs.
- Falling off a chair that was improperly assembled or defective.
Whether or not the accident was your fault, you may qualify for the benefits of workers’ compensation. The only exception would be if you caused the accident intentionally or were under the influence of alcohol and/or drugs.
Why were workers’ compensation benefits created?
The benefits of workers’ compensation were created to benefit workers without harming employers, and thereby, the rest of the employees. If all workers who got injured at work sued for personal damages, employers would end up bankrupt and the rest of the employees would be out of their jobs. The injured worker would also have to wait a long time to get paid or receive benefits since these lawsuits can take up to three years to be resolved.