Understanding the extent of your workers’ compensation coverage

While it would be nice to have the reassurance that you will never get hurt while working at your job in North Carolina, that is a promise that simply cannot be made. Depending on the type of job you have, the risks you face are unique to your industry and require you to be responsible for circumventing hazards before they create a threat to your safety. At Ganly & Ramer, P.L.L.C., we are aware of the needs of people who have suffered workplace injuries and are committed to helping them acquire the compensation they deserve.

The purpose of workers’ compensation is actually multi-faceted. For one, it allows you as a worker to collect benefits if you are hurt. These benefits may allow you to sustain your needs during a time when you do not have an adequate income because you are healing and recovering. Additionally, your employer can also utilize a well-written policy to protect their own endeavors from false or unfounded claims alleging that workers have been hurt when, in fact, no injury occurred or at least not one related to work responsibilities.

Because the workers’ compensation policy that your employer has is probably unique to the organization of their business, it is important that you understand the extent of your coverage. According to coastalspine.com, another benefit you may take advantage of besides help with replacing your lost wages includes financial assistance with the costs related to your injury, treatment and recovery. If your recovery requires additional therapy to regain your previous abilities, this may also be something that your benefits include.

When you understand what aspects of a workplace injury are covered by your employer’s policy, you can make sure that if you are hurt, you take full advantage of what is being offered. For more information about what to do if you have been hurt at work, visit our web page.