Workers’ Compensation is a complex and always evolving insurance system that seeks to compensate workers when they are injured or get sick on the job.
It is a form of no-fault insurance, allowing injured workers to readily obtain benefits. On the other end, it protects employers from being sued for worker injuries.
In concept, the program balances the rights of workers with the needs of employers. In reality, injured workers must often work with legal counsel to maintain that balance.
Workers are covered from the moment they go to work for the employer. Coverage occurs regardless of the employee’s past medical history and is applied regardless of fault.
Covered conditions include single-incident injuries, such as a fall, burn or collision. They also include conditions that develop over time, such as carpal tunnel syndrome or serious back strain. Pennsylvania Workers’ Compensation also covers illnesses that arises in the workplace, and occupational diseases and conditions arising from toxic exposure. Other conditions may also be compensated under the law.
The injury or illness must occur while the worker is working, but it does not need to occur on the employer’s premises. If a worker is in transit on duty for work, or performing work offsite when injured, they are still covered.
Workers are covered when work worsens a pre-existing or recurring condition, such as asthma or a back injury.
In addition to medical treatment, vocational rehabilitation is also offered, including training and job placement.
The State Workers’ Insurance Fund electronically posts payments to a bank card account, allowing you to withdraw cash and make purchases against the funds in the account.
Employees are restricted for the first 90 days from the date of the first visit to a panel of health care providers named by the employer. Following the 90 days, employees may choose their own providers, but it should be noted that not all doctors manage workers compensation cases.
Injured workers must take the initiative to report their injuries to their employer. Failure to do so may cause the worker’s claim to be refused. The employer is then responsible for reporting the injury to the State Workers’ Insurance Fund (SWIF).
If you are uncertain what you are entitled to under the law, or your employer is not forthcoming about your rights, you may contact SWIF or get an experienced Philadelphia Workers’ Compensation lawyer at Gross & Kenny, LLP.
Workers’ Compensation in Pennsylvania was set up to be simple and straightforward. Today, it is anything but. It is a system of specific rules applying to thousands of injury situations. Injured workers often have difficulty negotiating this bureaucratic system on their own.
Talk to a Philadelphia Workers’ Compensation lawyer of Gross & Kenny, LLP. We can help evaluate your case, so you are rightfully compensated for a work-related injury or illness. Contact us at 267-589-0090 or complete this online form for a free initial consultation.