In Columbus OH workers compensation will come into play if you are injured or contract an occupational disease. This must occur in the course of and arising out of your employment. Coverage for you injury is payable whether or not you were negligent, which means you were at fault. Your compensation for your injury may include such things as lost wages, payment of medical expenses, chiropractic expenses, psychological expenses, psychiatric expenses, or physical therapy. There could also be awards for some specific safety violations, or compensation for a permanent disability. If an employee has a fatal injury or occupational disease compensation will be provided to their family.
Incidents that would qualify as an injury under a workers comp claim in Columbus Ohio will include, but is not limited to, sprains, strains, broken bones, cuts and bruises, amputations, disfigurement, loss of your hearing or sight, herniated discs, bulging discs, and aggravation of a pre-existing condition. An injury is not necessarily a one-time incident. In many cases it is caused from doing a repetitive task. Probably the most familiar of these types of injuries is carpal tunnel syndrome. There are many things that can occur due to an injury that will also be covered by workers comp. This is where psychological injuries occur due to the employee not being able to work.
The first step in starting a workers comp claim is to complete a first report of injury. Your employer should have these forms readily available and should not hesitate in allowing you to fill out the form. This form then needs to be filed with the Bureau of Workers’ Compensation. There should also be an incident report filed with your employer following the employer’s guidelines. If you are injured on the job you should never feel like you shouldn’t fill out a first report of injury. In most cases it may end up being a simple trip to an emergency room with little or no time off work. But there are instances when what seems like just a minor injury turns into something much bigger. This is why it is of the utmost importance that you complete the first report of injury form. Having the proper documentation will save you grief down the road if you have to try and prove the injury happened at your job.
Workers comp insurance is highly regulated. It is important to follow the procedures set in place as they have been put there to help protect employees.
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