When things go wrong in the workplace, it’s a relief to know that workers’ compensation exists to protect you. Whether you’re an employee or a business owner, this legislation is in place to aid you in the event of workplace accidents and injuries. Here are some of the key things you should know about workers’ compensation insurance. For a more comprehensive understanding – or if you need tailored assistance for your situation – be sure to get in touch with people who specialise in this field, such as Sinnamon Lawyers.
1. It’s Compulsory
Workers’ compensation insurance is enforced and mandatory for all businesses throughout Australia, whether their employees are full-time, part-time, casual, or contracted. Even a business that only has apprentices or people hired through verbal contracts must be covered by worker’s compensation insurance.
2. It Varies Between States
Legislation regarding workers’ compensation differs slightly for each Australian state and territory. When looking up information, it’s important not to rely on details provided by state government departments other than your own.
3. When You Can Claim
Generally, you are able to make a claim for workers’ compensation in any situation where your workplace has caused an injury or illness that prevents you from continuing your job as per normal. To confirm if your situation warrants a claim, speak to your employer or relevant state agency.
4. What You Can Receive
Depending on your state and circumstances, there is a variety of benefits workers’ compensation can provide you with. These can include:
• Weekly payments to supplement your diminished income
• Cover for hospital and medical expenses
• Rehabilitation services
• And other benefits on a case-by-case basis.
The benefits you receive via workers’ compensation are targeted at minimising the impact your time away from work has on your lifestyle and helping you return quickly and smoothly back into your job.
5. What You Can Do
In order to make a workers’ compensation claim easier, there are a number of things you should or need to do when an accident occurs. Advisable actions to take include:
• Notifying your superior(s) immediately after the incident occurs
• Completing any and all relevant forms regarding the incident as soon as possible
• Asking witnesses and other people involved in the incident to do the same
• Seeing a doctor urgently to diagnose and begin treatment of your injury or illness.
It can be hard to keep your calm and respond logically when something occurs and causes you harm in the workplace. But following the steps above can help ensure no problems arise during the claim process later on.
Workers’ compensation insurance is one of those topics most people pay no attention to until they become essential. Whether unfortunate circumstances have suddenly made them relevant to you, or you just want to get your head around them in case something does occur in the future, hopefully this look at five of the essential things to know has given you a clearer understanding. What do you know about workers’ compensation that isn’t discussed here? Share your insights in the comments section below.
