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4 things to know about workers’ compensation

On Behalf of | Jul 6, 2023 | Workers' Compensation

Workers’ compensation is a crucial resource for Rhode Island residents who suffer an injury while performing their jobs. Unfortunately, many people don’t fully understand what workers’ compensation is, how it works, and what it doesn’t cover. Understanding these concepts allows you to understand the protection available to you.

How do you get worker’s comp?

Employees become eligible for workers’ compensation when they suffer an injury or illness while performing their jobs. This could include slipping and falling or becoming ill due to chemical exposure. Each employer has a policy that dictates how to report workplace injuries. Typically, the process begins by notifying a direct supervisor about the accident.

How much does it pay?

Employers who get workers’ compensation due to an injury or illness suffered while working receive a portion of their income. There are other types of financial coverage, including temporary partial disability (TPD) and temporary total disability (TTD), that help sustain an employee who becomes unable to work. Workers’ compensation also provides coverage for any necessary medical treatments during recovery.

Can I sue my employer?

If you suffer an injury at work, you can sue your employer if you believe their negligence led to your accident or illness. However, if you accept workers’ compensation, you forfeit the right to bring a civil suit against your employer. The only time an employee can get workers’ comp and sue their employer is if the employer did something intentionally that led to an injury or illness.

Do all employers offer workers’ comp?

Each state has laws in place that dictate which employers must provide workers’ compensation. Rhode Island requires any employer with one or more employees to have worker’s compensation insurance.

Workers’ compensation is an important part of employment law. Understanding what’s covered, what isn’t, and how the process works ensures you’re protecting yourself.