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if i get injured will there be any companies that will offer benefits in the united states
im looking for a good company to work with. #hvac #business
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3 answers
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John R’s Answer
If you are an "employee" by definition, your employer is required to carry Workers Compensation Insurance.
You do not pay the workers compensation insurance premiums, your employers does.
Your own medical insurance does not cover work related injurie in most cases.
Workers Compensation Laws vary greatly from state-to-state.
Many mandate which treating physicians you can see initially and for a specified time before you can see healthcare providers of your choice.
Typically the insurance covers your medical care and therapy. The Weekly Wage-Loss benefit you receive while being covered by W/C is a percentage of your normal weekly salary. As an example in Pennsylvania it is two-thirds of the weekly wage. However, that money is not taxable.
You are responsible first and foremost for your safety. Your employer has a legal and financial responibilty for your safety and health, even if you perform an unsafe act. In some instances employers, dispute W/C claims, and the employee is required seek legal recourse. In many cases the legal fees are Not a set fee, they take a percentage of the Weekly Award / Check as long as the employee receives that check if the a decision is in the employees favor.
Stay safe
You do not pay the workers compensation insurance premiums, your employers does.
Your own medical insurance does not cover work related injurie in most cases.
Workers Compensation Laws vary greatly from state-to-state.
Many mandate which treating physicians you can see initially and for a specified time before you can see healthcare providers of your choice.
Typically the insurance covers your medical care and therapy. The Weekly Wage-Loss benefit you receive while being covered by W/C is a percentage of your normal weekly salary. As an example in Pennsylvania it is two-thirds of the weekly wage. However, that money is not taxable.
You are responsible first and foremost for your safety. Your employer has a legal and financial responibilty for your safety and health, even if you perform an unsafe act. In some instances employers, dispute W/C claims, and the employee is required seek legal recourse. In many cases the legal fees are Not a set fee, they take a percentage of the Weekly Award / Check as long as the employee receives that check if the a decision is in the employees favor.
Stay safe
Updated
Nicholas’s Answer
That's a good question. Every employer has some type of disability insurance. If you get injured on the job and cant work for an extended period of time, disability insurance would provided income. The downside although you have wait a certain amount of time and payments only cover a portion of your income. Also, if you get injured outside of work you'll most likely get nothing. Some people purchase supplemental insurance to cover out of work injuries and increased payouts.
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robert’s Answer
yes it depends on the circumstances and the benefits you have. if you are a 1099 employee most likely not however if your company pays into workers comp your should be covered to some degree for on site injuries.