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When you start working for a company, a sole proprietorship or another form of business, you need to be wary of the risks that come with your routine tasks. Some of the jobs you do involve lots of physical effort and engagement, putting you at the risk of suffering physical injuries. For example, if your job entails carrying heavy loads within a warehouse, you can easily develop back complications due to the strenuous lifting and pushing. Those in the construction industry face several hazards in the workplace, including falling from high heights and equipment-related injuries. Such danger calls for a mechanism of protecting yourself and the employer in case an accident occurs. Here is a thorough look at workers' compensation concerning occupational hazards.
Workers' compensation refers to a legal program of systems that ensures workers receive monetary benefits for any disability or injury suffered in the course and scope of their work. Essentially, this is an agreement between you and the employer that creates a certain type of insurance in your favour. Both parties acknowledge that you could suffer bodily harm while performing your duties and set out to mitigate the losses that arise from such an incident.
Typically, an injury you suffer at the workplace calls for legal action against your employer. The basis of taking legal action against arises from the losses you might suffer following the incident in your workplace. You may have suffered the injury due to an act of negligence on the part of the employer. For example, a fall could leave you with multiple fractured limbs that require several months to recover. Your inability to perform any work during the recovery translates to financial losses and social trauma. All these are legal grounds for seeking compensation from your employer.
Agreeing to a workers' compensation plan from the onset removes the need for a tedious legal process in case of an injury. The agreement means that you give up your right to sue the employer for a definite compensation plan. It is a preferable arrangement considering it saves you the hustle of a legal battle. It also protects your employer's brand or image.
Note that workers' compensation only applies to injuries you suffer in the course and scope of your work. If a forklift trips and hits your head and injures you at work, you qualify for benefits under a worker's compensation arrangement. The same will not apply for an injury you that you suffer as you cycle to work.
To learn more, contact a workers' compensation lawyer.Share