3 common myths about workers’ compensation

Employees in Mississippi that are injured on the job often qualify for some financial benefits through their employer’s workers’ compensation insurance coverage. For most people, the process of filing a workers’ compensation claim is new. Here are three of the most common myths that people believe about workers’ compensation. Myth #1: Workers’ compensation benefits are only for severe injuries You should report every work-related injury to your employer, even if your injuries are minor. Even a minor injury like a sprained ankle could cost you lost productivity or workdays, depending on your job. Also, minor injuries can sometimes develop into severe ones, especially if you don’t take time to rest. You may qualify for workers’ compensation benefits even for seemingly minor injuries. Myth #2: Workers’ compensation only covers medical expenses Medical expenses are just one of the items that may be recouped through a workers’ compensation claim. You may also claim compensation for the wages that you lost while you were recovering from your injuries. The cost of vocational rehabilitation services may also be claimed. Myth #3: Workers’ compensation only covers on-site injuries Many people have jobs that require them to leave the main job site on a regular basis. If you were involved in a car accident while traveling for work, you may be able to file a workers’ compensation claim for your injuries. Accidents that occur at business-related events or while meeting with clients may also be compensable. Some workers’ compensation claims are denied Not all workers’ compensation claims are approved, so it’s important to understand the process. Insurance investigators are always looking for evidence that claimants are lying or exaggerating about their injuries. However, if you report your accident right away and save evidence of your injury-related expenses, your claim may be more successful.