Important Things to Know About Workers’ Compensation and Working From Home
Regardless of the type of job you have, workplace injuries are always possible. Of course, people who work in industries such as manufacturing, construction, and transportation are more prone to being in an accident than someone who sits at a desk all day. Still, injuries can happen, and the effects can be life-altering. Workers’ compensation covers on-the-job injuries, but this isn’t just limited to incidents in the office. If you are working from home, this insurance should cover you too.
How Workers’ Compensation Benefits You
Workers’ Compensation insurance protects you in the event of an injury that occurs while you are working. It will pay for the medical care you receive, such as treatments, medication, surgeries, doctor’s office visits, hospital stays, and rehabilitation. The injury must have happened while you are engaged in your regular, approved work duties during the time you were expected to be on the clock.
This insurance will not cover you in all injury situations. If your injuries were the result of horseplay, improper use of equipment, or not following safety rules and regulations, you should not expect coverage. The insurance will only take effect when the injury happens while you are working. This means a car accident on the way home from work will not fall under this category.
Location Shouldn’t Matter
An injury doesn’t need to happen in the office or place of business for workers’ compensation to protect you. As long as your employer has granted you permission to work from home, and the injury happens during your assigned working hours, you should be able to make a claim.
Types of Injuries that Remote Workers Experience
At-home workers can suffer the same types of injuries that office workers contend with. These include carpal tunnel syndrome from repetitive typing and work at the computer as well as injuries that manifest after sitting for long periods of time. A slip and fall at home while on your employer’s time should also be covered.
The Process of Claiming Workers’ Compensation
If you are injured while working from home, inform your supervisor or human resources representative immediately. Document exactly what happened, when it happened, and what the nature of your injury is. Your employer will then send you to a medical provider to get care. If your claim is denied, you can appeal the decision.
If you are injured on the job, whether at home or in the office, talk to your employer about your Workers’ Compensation rights. You are entitled to care and financial coverage. If you would like to learn more or need assistance with a claim, then consider contacting a workers’ compensation lawyer, like Hurwitz, Whitcher & Molloy, LLP.