The Workers Compensation Insurance program in effect in all fifty states was established to protect both employer and employee. When a worker has a disabling accident on the job it dictates that his medical expenses will be covered. As a Sedalia Workers Compensation Attorney can explain, it also assures him of partial salary while he is unable to work.
Claims are not paid according to any circumstances but the accident. If the employer was not maintaining a safe workplace, it makes no difference. If the worker is at fault for some reason, it makes no difference. Medical expenses and partial salary are always paid. Punitive damages remain uncollectible.
That is why it is called a no-fault system. Thus, the worker is covered for medical care and the employer is not in danger of a lawsuit. The amount of the employees recovery is limited by this insurance program. It is not an optional insurance coverage system.
In an accident involving damages, an automobile crash for example, the victim is able to sue for punitive damages to punish the other driver who is at fault. This is in addition to medical care and damage to the automobile. This is in contrast to the situation in a workplace injury.
Death benefits can be paid to survivors when an employee is killed on the job. State statutes, meaning laws, require this coverage in each state. Federal employees are covered by federal statutes.
There are accusations of fraud within the system. This is a highly controversial topic. Some insist it is extremely low. Others maintain the monetary losses to be as high as seven billion dollars or more. No one can prove it either way.
Without fear of consequences a worker can be injured in a weekend football game and claim it happened on the job. No attorney is investigating on behalf of the employer. Consider the workplace fraught with danger that no attorney is going to prosecute for. It is easy to see how all kinds of fraud can be instigated.
Claims are not paid according to any circumstances but the accident. If the employer was not maintaining a safe workplace, it makes no difference. If the worker is at fault for some reason, it makes no difference. Medical expenses and partial salary are always paid. Punitive damages remain uncollectible.
That is why it is called a no-fault system. Thus, the worker is covered for medical care and the employer is not in danger of a lawsuit. The amount of the employees recovery is limited by this insurance program. It is not an optional insurance coverage system.
In an accident involving damages, an automobile crash for example, the victim is able to sue for punitive damages to punish the other driver who is at fault. This is in addition to medical care and damage to the automobile. This is in contrast to the situation in a workplace injury.
Death benefits can be paid to survivors when an employee is killed on the job. State statutes, meaning laws, require this coverage in each state. Federal employees are covered by federal statutes.
There are accusations of fraud within the system. This is a highly controversial topic. Some insist it is extremely low. Others maintain the monetary losses to be as high as seven billion dollars or more. No one can prove it either way.
Without fear of consequences a worker can be injured in a weekend football game and claim it happened on the job. No attorney is investigating on behalf of the employer. Consider the workplace fraught with danger that no attorney is going to prosecute for. It is easy to see how all kinds of fraud can be instigated.
About the Author:
Rick Koenig is a Sedalia workers compensation attorney that is dedicated to helping those people who have been injured. If you think that you should be compensated for your injuries, visit http://www.rickkoenig.net right now, for more details.
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