Workers' Compensation Insurance - What Is It?

Workers' compensation is a type of insurance paid for by employers and companies that provides compensation for wage loss and medical bills to employees injured on the job or during the course of employment.

Workers' comp also provides monetary compensation to the spouse and dependents of a person who is fatally injured as a result of a work-related accident.

Who Is Covered by Georgia Workers' Compensation Insurance?

In Georgia, workers' compensation coverage begins on your first day of employment at a business with three or more employees, regardless of whether you are a part-time or full-time employee. You may still be eligible for Georgia workers' compensation benefits even if you were an independent contractor or a cash employee.

What Types of Injuries Does Georgia Workers' Compensation Cover?

Auto accidents often cause far greater damage than superficial wounds. Hire a car or truck accident attorney to help you seek retribution for both economic and non-economic damages. Receive a payout for medical costs and recovery expenses, as well as non-economic costs like depression or trauma.
Any injury, illness or death arising out of and in the course of employment is by definition a compensable work-related claim. This means if employees are injured while performing assigned job duties during assigned work hours, they are covered under the workers' compensation program. Injuries sustained while engaging in unassigned duties, during lunch and breaks, are not covered. In addition, injuries that occur during an employee's normal commute to and from work are not covered.
Some of the common workplace injuries are:

  • Back and Neck
  • Repetitive Movement
  • Car Accident
  • Catastrophic
  • Head & Brain
  • Construction
  • Occupational diseases

The aftermath of a serious auto accident is difficult enough-don't suffer through undue financial hardships as well. Speak with a truck accident attorney today to go over the details of your case in Atlanta or Macon, GA.

What Types of Georgia Workers' Compensation Benefits Can You Receive?

Georgia workers' compensation laws can be complicated. A Georgia workers' compensation attorney in your area can explain to you the application process and help you receive the benefits to which you are entitled.
Although your benefits may vary depending on what state or federal law applies, workers injured on the job--regardless of whether your employer was at fault--may be entitled to benefits that include:

  • Medical care
  • Temporary disability benefits designed to at least partially replace lost wages if you were unable to work for more than seven days
  • Permanent disability benefits designed to at least partially replace lost wages
  • Death benefits

I've Been Injured On The Job, What Do I Do?

You should IMMEDIATELY report your injury to your employer. Obtain and fill out the paperwork required by your company and forward to the appropriate organization for processing. Be as specific as possible when reporting your injury. If anyone witnessed your accident, inform your employer of such a witness. Prompt notification will enable your company to begin your benefits in a timely manner. Reach out to us today in the in Atlanta or Macon, GA.