While some industries are significantly more dangerous than others, no matter where you work in South Carolina, you face unique risks every day when you arrive at your job. While your employer has probably implemented guidelines and protocols to mitigate accidents in the workplace, there may still be incidents that result in the unexpected injury of yourself or one of your colleagues.
Despite how safe you may feel at work, it is always a good idea to understand the types of claims that are covered by a typical workers' compensation policy in case you find yourself needing to use yours. According to Chron, all reported injuries that you claim must have happened on the job. You cannot ask for compensation on an injury that you received while not at work. Your employer may provide financial assistance for any of the following:
- Medical bills
- Hospital expenses
- Benefits to your family (if you are disabled or killed)
If you are the victim of an accident or injury that requires long-term recovery, your workers' compensation policy may provide assistance for your treatment and ongoing medical needs. It is important to note that your claims will not be accepted if you were under the influence at the time, responsible for starting a fight with another coworker or if you were found to be in violation of company policies at the time of your injury.
The information in this article is intended for educational purposes only and should not be taken as legal advice.