How does workers' comp work?

• An employee is injured on the job. If an employee is injured or becomes ill as a result of their job, they should report the injury or illness to their employer as soon as possible.

• Employer files a claim. The employer will file a workers' compensation claim with their insurance carrier, who will investigate the claim and determine if the employee is eligible for benefits.

• Employees receive medical treatment. The employee receives medical treatment for their injury or illness, which may include hospitalization, surgery, physical therapy, or medication.

• Benefits are paid. If the employee is eligible for benefits, they may receive compensation for lost wages, medical expenses, and other related costs.

• Return to work. Once the employee has recovered, they may return to work. If they are unable to return to their previous job, they may be placed in a different position within the company.

The specifics of workers' compensation can vary depending on the state in which the employee works and the employer's insurance policy. In general, however, workers' compensation is designed to provide financial support and medical care to employees who are injured or become ill as a result of their job, while also protecting employers from costly lawsuits.