When there is wrongful action or an accident at work, and you need your fair share of justice, you need to be prepared for the job ahead. Often, you will find that the system is working against you. Hence, you need to be armed with the right information. Below are some of the key things you need to understand about Orlando workers compensation insurance.
The responsibility of the employer is not limited to just paying for damages. A good company should ensure that they conduct follow up by keeping a close association with the affected employee to know how they are recovering. This should help them know when the employee can return to work. Hence, it is also important that they have a return-to-work policy.
Insurance is not only a requirement for big businesses. Many small organizations fail to cover their workers, which is against the law. As long as the company has more than five employees, they should be covered. However, for the construction industry, coverage is required even for one employee.
Payment does not always come easy. When you are involved in any incident that may require a claim, do not assume that it will come automatically. Insurance companies will always try to find a way to avoid payments unless it is a straight forward case.
Ensure that you are not listed as an independent contractor. You should be careful when signing your employment contract. You may later find out that you were technically not an employee of the company but just a contractor. Hence, be wary of employers who ask you to fill in the 1099 forms. This is gross illegality that may attract legal action.
You are still liable for compensation even if the accident was a result of personal negligence. While this may prove challenging, a good lawyer can argue your case out. However, it must be proven that you were not drunk or intoxicated at that moment. You still have a case as long as you acted within the workplace regulations.
Employees should be covered even if they are not at their workplace. However, this only applies if they were on a work-related assignment. For example, a construction worker may be injured in a road accident when going for a work assignment. However, the coverage does not cover those injured during their break, even if they were at the workplace.
Coverage does not have any limit. The insurance company may approach you and make an offer. However, if you feel that it is too little in relation to your injuries, you can ask for more. Most of the time, you will be told that there is an amount beyond which they cannot pay. In such a case, get legal advice and know the best move.
This information is important for both employers and employees. However, before you even think matters insurance and claims, your first priority at the workplace should be safety. This will not only help avoid such cases but also lost hours.
The responsibility of the employer is not limited to just paying for damages. A good company should ensure that they conduct follow up by keeping a close association with the affected employee to know how they are recovering. This should help them know when the employee can return to work. Hence, it is also important that they have a return-to-work policy.
Insurance is not only a requirement for big businesses. Many small organizations fail to cover their workers, which is against the law. As long as the company has more than five employees, they should be covered. However, for the construction industry, coverage is required even for one employee.
Payment does not always come easy. When you are involved in any incident that may require a claim, do not assume that it will come automatically. Insurance companies will always try to find a way to avoid payments unless it is a straight forward case.
Ensure that you are not listed as an independent contractor. You should be careful when signing your employment contract. You may later find out that you were technically not an employee of the company but just a contractor. Hence, be wary of employers who ask you to fill in the 1099 forms. This is gross illegality that may attract legal action.
You are still liable for compensation even if the accident was a result of personal negligence. While this may prove challenging, a good lawyer can argue your case out. However, it must be proven that you were not drunk or intoxicated at that moment. You still have a case as long as you acted within the workplace regulations.
Employees should be covered even if they are not at their workplace. However, this only applies if they were on a work-related assignment. For example, a construction worker may be injured in a road accident when going for a work assignment. However, the coverage does not cover those injured during their break, even if they were at the workplace.
Coverage does not have any limit. The insurance company may approach you and make an offer. However, if you feel that it is too little in relation to your injuries, you can ask for more. Most of the time, you will be told that there is an amount beyond which they cannot pay. In such a case, get legal advice and know the best move.
This information is important for both employers and employees. However, before you even think matters insurance and claims, your first priority at the workplace should be safety. This will not only help avoid such cases but also lost hours.
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You can find a summary of the benefits you get when you compare Orlando workers compensation insurance quotes online at http://www.lrminsurance1.com/workers-compensation-insurance today.
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