Getting hurt on the job is something no one wants to face. And if that injury is a burn, then the pain, suffering and recovery costs might prove devastating. So, if you get burned at work, will your company's workers’ compensation cover you?
On-the-job burns can happen to anyone, even those who least expect it. Do your best to protect yourself. Yet, don’t hesitate to request a workers’ compensation claim in the end.
The Risks of Burn Injuries
No one likes to get burnt. Even small injuries can prove inconvenient and painful. The most severe injuries, however could prove devastating. Burns might cause:
- Disfigurement and deep tissue damage.
- Bone and muscle exposure and damage.
- The risk of bacterial illness, immune system damage and infection.
- Organ failure.
- Loss of use of extremities and motor function.
Therefore, even in isolated burn cases, victims must seek medical attention. The sooner they do so, the better their overall chances of full recovery.
With the help of qualifying workers’ compensation, injured employees will have the financial assistance they need to get well again. They might even be able to return to work sooner and prevent company hardships as a result. As a result, both employees and businesses might win out following a claim.
Does My Workers’ Comp Cover Burns?
In most cases, workers’ compensation will cover burn injuries. However, there are a few restrictions on when the policy will pay.
- Most policies will cover burn injuries sustained within the workplace, even if you are on a break. For example, if coffee spills on you in the break room, you might be able to file a claim. Yet, if a burn happens while you are dining out for lunch, coverage might not protect you.
- If you get burnt when committing an illegal activity, or through a workplace fight, you probably won’t have coverage.
- Burns from both fires and chemicals will likely have coverage.
- If you get burnt because you violate workplace safety rules, you might not qualify. Therefore, always follow rules and regulations for burn avoidance on the premises.
Following a burn injury, you’ll have to report the injury to your employer. They will then give you their workers’ compensation insurance information. You can then work with the insurer to file a claim.
The claims process might involve a medical exam and an investigation of the accident. This will help the insurer determine whether the injury qualifies for a claim. They will then help you settle on the appropriate compensation for which you qualify. Some payments will last indefinitely, while others will last permanently. Don’t hesitate to negotiate with your insurer to determine the right course of action.
Also Read: Lessons Learned from Long-Time Restaurant Owners