Workers Compensation Treatment Albuquerque NM
First placed into law in 1906, Workers’ compensation, or “workman’s comp,” is the oldest state-mandated insurance program in America with all states on board by 1949. With the rise of jobs in the early twentieth century, work injuries became more commonplace and the dangers of operating in factories with machinery had risen. A system was required to document these injuries and to compensate the employees when injury occurs from unsafe practices.
What is Workers compensation insurance?
Workers’ compensation was considered a “no-fault” insurance system providing financial assistance to workers that have been injured at work. In modern times, after documentation and proper recording of the injury (including statements from witnesses) employers use three main standards in accountability in any future settlement regards to lawsuits:
- Assumption of Risk: The injury was from an accepted danger related to the work and known risk.
- The Man Employee Rule: The injury was caused by a fellow worker’s carelessness or violation of policy.
- Non-performance: The worker’s carelessness or policy violation contributed to the accident.
The Workers’ compensation laws were originally designed to ensure that employees who were disabled at the work place are awarded financial consideration, eliminating the requirement for litigation. The law has evolved to protect people injured in any way on the job. It covers most, but not all, on the job injuries.
What does workers’ compensation cover?
State provision statutes establish a framework for employment and weekly coverage of wages, compensation for economic loss, and reimbursement of all medical expenses aside from the employee’s health care. Federal statutes are restricted to federal workers or those staff utilized in some vital facet of interstate business. The Federal Employment Compensation Act provides workers’ compensation for non-military and federal workers.
Compensation is restricted to disability or death sustained within the performance of duties as long as it is not caused by the employee or by intoxication. The act covers medical expenses because of the incapacity due to the accident.
What does Workers’ compensation provide for the victim?
There are two types of Workers compensation:
- Temporary disability: If an employee can return to a limited job function, only temporary partial disability may be paid. This is where the specialists come in, to determine work restrictions and any limitations and to prevent further injury from returning to work without restrictions too soon.
Permanent disability: If a permanent disability has resulted from the work injury, a lump sum based on the percentage of impairment will often be paid.
In case of work related death: Developed by the Workers Compensation Program, the act provides adequate compensation for survivors of workers who were in an accident related to work.
Not all employees are covered, so it is important to document an injury on the premises in case litigation is needed from a different avenue.
How can our clinic help with Workers’ compensation in juries?
Victims need immediate and proper documentation to collect full benefits. Knowing state and federal regulations to counter any conflicts or disputes is crucial for medical personnel. Our nationally board-certified team can consult on long-term vocational rehabilitation or settlements involving death benefits (including estimating lost income and burial considerations). If you or a loved one is the victim in a work injury, our clinic can offer invaluable care and a treatment program to put you on the road to a full recovery concentrating on your healing while properly documenting your progress.