When you have been injured on the job, it is likely you will have several important questions about what you can do about your medical expenses and lost wages. Workers’ compensation can help with those concerns which is why it is useful to have some workers’ compensation basics under your belt.
Most employees in the state of Mississippi enjoy workers’ compensation protections. Employers with greater than five employees are required to carry workers’ compensation insurance. For employers with fewer than five employees, it is optional to carry workers’ compensation insurance. There are several categories of workers that are excluded including domestic and farm labor workers and several other categories of workers.
When to report
When you have been injured on the job, you should immediately notify your supervisor of your injury. It is best for workplace injuries to be reported within 30 days of the injury and the employer should then report the injury to their insurance carrier or the Workers’ Compensation Commission. All injuries that arise out of the course and scope of employment should be covered. Job-related occupational illnesses also enjoy coverage and death benefits may also be available following a fatal workplace accident.
As an injured worker you should be able to receive medical benefits and wage loss benefits as part of your workers’ compensation benefits following a workplace accident or injury. It is essential that you receive all of the benefits you are due following a workplace injury and to do that it helps to be familiar with the basics of workers’ compensation and what you can do when workers’ compensation benefits have not been paid.