After an injury on the job, you may wonder how you will pay your bills and provide for your family. In Georgia, most employers must carry workers’ compensation to help employees cover their medical expenses and lost wages after a workplace accident.
Certain factors will impact whether you can receive benefits. Here is what you need to know about your eligibility.
Are all employees covered?
Any business with three or more employees must carry workers’ compensation insurance. You are likely covered if you work for such a business unless you are an independent contractor, federal employee, domestic worker or railroad worker.
If you are not in one of these excluded categories, your coverage begins on your first day of employment.
What types of injuries are eligible?
Your injury must have occurred on the job or while you were carrying out assigned work-related activities during regular hours. Additionally, if an injury is the result of your own negligence, drug and alcohol use or failure to comply with safety protocols, you may not receive benefits.
What other factors can affect your claim?
Perhaps the most common error that people make is failing to file within the required reporting window. Additionally, these other mistakes could also impact whether you receive compensation:
- Submitting false or inaccurate information
- Ignoring a doctor’s advice
- Refusing medical examinations or drug tests
If you are uncertain about what steps to take to ensure you receive the full benefits you deserve, a legal advocate can help you understand the workers’ compensation process.