It may not be obvious to some, but construction is one of the most dangerous occupations out there. On a daily basis, construction workers are surrounded by large machines and heavy objects, and the slightest malfunction or mistake could result in serious injury or death. It is for this reason that construction workers can benefit greatly from workers’ compensation, which is an insurance system that offers financial assistance to workers who fall ill or are injured as a result of their job functions.
For many people, workers’ compensation benefits are the most important part of any job. Even if you do not ever need to take advantage of them, the safety net that these benefits provide allows employees to perform their jobs without the fear that they will be left to their own devices in the event of an accident. This is especially true for people who work in dangerous occupations, such as construction workers and firefighters, but even jobs that are relatively low-risk could have unexpected adverse health effects.
You may have heard the phrase workers’ compensation, and you may even have a general understanding of what the phrase means, but when you truly need to take advantage of your workers’ compensation benefits, you will need to have an intricate understanding in order to maximize those benefits. If you were injured in a workplace accident, you are likely eligible for workers’ compensation benefits, regardless of the circumstances surrounding the accident. Obviously each case is different, but as we’ve explained before, nearly every work-related injury is compensable.
It is a legal requirement in New York for employers to have worker’s comp insurance, but that doesn’t necessarily mean that all employees are offered their rightful worker’s comp benefits. It doesn’t happen often, but some employers have tried to take advantage of loopholes in the system, or have even outright lied, to avoid paying what they are supposed to pay. Much of this problem comes from the fact that workers’ comp relies largely on the employers reporting and monitoring themselves.