What is Workers' Compensation and Personal Injury Claim?

Accidents at workplace do happen and no one has control over it except the frequency of occurrences can be minimized with workplace safety rulebook. A librarian can fall off the ladder, a safety harness can break and the construction worker can fall to his death, a truck loader driver can meet an accident with no fault of his driving etc.

Every state has defined workers’ compensation statutes and regulations to reduce the financial burden resulting from the workplace injury. The Department of Labour has compensation programs based on major disability for workers’ who get injured or acquire occupational diseases while performing their duties.

Workers’ compensation is an insurance provided by the employers for their employee to provide financial assistance and coverage benefits during injury or accident. An employee can sue their employer in case of a workplace injury to get appropriate compensation during injury period or to get financial assistance to their family in case of workplace injury death. The compensation can be in the form of cash benefits or medical care for the worker who is injured or became ill while at work.

Not every workplace injury results in proper compensation. If the injury occurred due to the fault of the worker or by ignoring the safety rules, the compensation isn’t granted unless proved otherwise. A workers compensation attorney help is required to file aclaim  for appropriate cash or medical care benefits in case the employer is refusing to cover the benefit or the insurance company is delaying due to reasons that are best known to them. A workers comp attorney Columbus OH if your best help for a claim if you are living in Columbus, OH state.

Many times, people get confused about personal injury claim and workplace injury claim. A workers’ compensation claim is not the same as personal injury claim. Similarly, they get confused between personal injury attorney  and workers’ compensation attorney.

A worker who gets injured can file a workers’ compensation claim against their employer however if a worker gets injured at the workplace due to the negligence of a 3rd party not related to the employer, the worker can file a personal injury claim against the 3rd party.