While many measures have been taken to create safe work environments, there are still jobs that may have unsafe working conditions that could result in an injury. In these cases, you are entitled to workers’ compensation to cover any financial impact your injury has on your health, life, and job.
Why It’s Beneficial
Workers’ compensation is a type of insurance that is required by all private businesses in Nevada. Under workers’ compensation, you are compensated for any injury you sustain while on the job. It is similar to no-fault insurance that will usually cover you unless a prior condition caused the injury or “horseplay” while at work is involved. Additionally, your employer is protected from any additional damages when you use workers’ compensation. The main benefit of workers’ compensation is that it covers anything that is impacted by your injury and it provides you with some security until your injury is healed.
What is Covered
One of the most obvious things you will be covered for is the medical bills you receive after your injury. Additionally, your workers’ compensation may also cover any physical therapy or medical care that continues after the initial injury. In many cases, you can also receive compensation for lost wages. This money covers all days you cannot work due to your injury. You can also receive money for varying degrees of disability that are the result of the injury and you can also be covered for any costs related to training for a new position because your injuries prevent you from continuing your original position.
While workers’ compensation will cover a great deal, there are a few exemptions. In Nevada, you are exempt if you fall into certain categories. If you have been brought into Nevada to work temporarily, you don’t qualify for Nevada workers’ compensation. Similarly, if you are working in between states you may not be covered. Casual workers who have worked less than 20 days will often not qualify either. It’s helpful to take some time to understand any other exemptions your workers compensation may have. For example, not everyone will cover chiropractic services.
If you are injured while on the job, you have protection. Workers’ compensation exists in order to provide employees with financial security and cover all costs that result from their injury. Once you’ve been injured, you should begin the process to receive workers’ compensation.
Contact an attorney for help filing for your workers’ compensation.