...
Worker's Comp Colorado Springs

Top Misconceptions About Worker’s Comp Benefits in Colorado Springs

Benefits from workers’ compensation in Colorado Springs are essential for workers who get diseases or injuries at work. To make sure that folks receive the help they’re entitled to, it’s critical to grasp the prevalent myths around this subject. It’s important to dispel these myths for all local workers because they will end in delays in receiving benefits or the denial of claims.

It’s a frequent misperception that workers’ compensation only pays for accidents that happen at work. However, workers’ compensation benefits could also cover accidents sustained while completing work-related duties far away from the office, such as on company travels or events. Employees must remember this expanded coverage to ensure they get the help they have in the event of an injury.

Another common misperception about Worker’s Comp Colorado Springs is that people cannot get workers’ compensation benefits if they need pre-existing medical issues. However, the worker can still be qualified for benefits if an event at work makes a pre-existing ailment worse. Understanding this distinction can help people avoid misinterpreting qualifying requirements and not receiving the support they require.

Misconception 1: Worker’s Comp Covers All Work-Related Injuries

Contrary to popular belief, not all work-related injuries are covered by worker’s compensation. True enough, workers’ compensation usually pays for injuries sustained while at work, though there are some exceptions. Generally speaking, worker’s compensation doesn’t cover injuries brought on by intoxication, self-harm, or injuries received off work.

Misconception 2: Filing a Worker’s Comp Claim Means Suing Your Employer

Bringing a worker’s compensation claim doesn’t entail suing your employer. By submitting a worker’s compensation claim, you’re requesting compensation for your injuries without suing your company. The goal of worker’s compensation claims is to offer support and medical benefits to employees who suffer injuries at work. 

It’s a mechanism meant to shield businesses and workers by assisting without requiring action. To stop misunderstandings, it is important to grasp the subtleties of worker’s compensation. Not all injuries sustained at work are covered by worker’s compensation, and making a claim doesn’t equate to suing your employer. You’ll handle the worker’s compensation procedure more skillfully and confirm you get the help you need following a work-related injury if you’re conscious of its limitations and goals.

Misconception 3: Worker’s Comp Claims Always Cause Job Loss

The purpose of worker’s compensation laws is to shield employees who sustain diseases or accidents at work from medical and financial risks. These regulations guarantee that workers obtain appropriate medical aid and missed pay without having to stress about losing their jobs. It’s against the law for an employer to require adverse action against a worker who files a workers’ compensation claim. Encouraging workers to heal and safely return to the figure is the main objective of worker’s compensation.

Employees are shielded by regulations that forbid employers from firing them based only on a worker’s compensation claim they need filed. Employers must follow stringent criteria when it involves handling workers who have made claims. After they have fully recovered from their injuries, employees can usually return to their jobs. Worker’s compensation laws aim to guard employees against being wrongfully punished for pursuing benefits to which they’re legally entitled.

Misconception 4: Workers Can Only See Approved Doctors for Treatment

In contrast to public opinion, employees are liberal in selecting the physician they need to ascertain after an injury sustained at work. Employees often have the right to receive medical treatment from a doctor of their choosing, albeit some states will have particular requirements for selecting a provider within a network. To ensure a seamless claims procedure, it’s critical for workers to be told of their rights and to let their employer know which doctor they need to choose.

It’s important to let your employer know the doctor you’ve picked for a variety of reasons. First of all, it enables your employer to speak with the chosen physician regarding your work restrictions and treatment plan. Second, it guarantees that the proper person receives the medical bills and records and is paid accordingly. You’ll promote a prompt and efficient healing process by keeping your employer updated on your medical aid.

Conclusion 

There are a variety of widespread myths regarding the benefits of Worker’s Comp Colorado Springs The thought that only accidents that happen at work are insured is a common one, but really, accidents that happen while performing work-related tasks off-site can also qualify. Another myth is that creating a claim will end in instant termination; however, this is often illegal; employers aren’t allowed to require adverse action against workers who request benefits. Furthermore, some people think that having pre-existing conditions makes them ineligible for compensation; nevertheless, pre-existing conditions that worsen as a result of work-related activities should be covered. To make sure they understand their rights and obtain the advantages to which they’re entitled, people must get accurate information and expert assistance. Select The Insurance Stops to get the best advice and support for the safe and growing future.

Latest Posts

Wednesday, December 20 Notice

Offices will close at 1:00pm Wednesday, December 20th so that our staff can gather together at our annual holiday party.  All offices will re-open on Thursday at 9am.