For most business owners, the safety and well-being of each employee is a top priority. On a daily basis, you will find that most employers are striving to improve job safety and offer programs that will educate their workers on the very best safety practices and how to handle an accident should one occur. Regardless of the amount of preparation a company has instilled, workplace accidents or related deaths are a fact of life and continue to rise. Colorado employees should be aware of any death benefits provided by their employer under workman's comp.
Many workers' compensation claims are approved in a relatively timely and orderly way. After a period of review, the insurance company approves the claim and issues its General Admission of Liability, and the injured worker gets medical and wage replacement benefits.
Picture yourself in this scenario:
During the holiday season, hundreds of stores throughout Colorado hire part-time workers. Many of those hired take these jobs to gain some extra cash, with the full understanding that their period of employment will be temporary.
In some workers' compensation cases, the insurance company will ask an injured worker to make a recorded statement. When this happens, it can spell trouble for the worker. It indicates that the insurance company may be trying to collect information with the aim of minimizing benefits or denying the claim altogether. At the same time, if you refuse to cooperate or display a truculent attitude, the insurer could cite that as a reason for refusing to pay your claim. What's an injured worker to do?
Although many employees know that they have rights after a workplace accident, many do not realize that they do not have to accept a workers' compensation package that is inadequate for their recovery. In other cases, employees may fear that challenging the initial benefits package offered by their employer's insurance carrier might jeopardize their job security.
Most workers perform their job duties in collaboration with others. So when a worker suffers an on-the-job injury, there is a strong probability that there is at least one witness who can verify the injured worker's story.
What happens when an employer fails to provide workers' compensation insurance for its employees?
It's true that most workers in Colorado are covered by the workers' compensation system. But that fact comes as no comfort to the significant number of injured workers who do not have worker's compensation insurance. They end up paying some or all of their medical costs from their own pockets.
When a worker is injured on the job, workers' compensation benefits are designed to cover the cost of medical care, lost wages and any ongoing occupational or physical therapy needs. Those benefits are provided regardless of whether any party was negligent or at fault.