What Is Workers Comp and How Do I File a Claim?

Miami and Pinecrest, FL residents who have been injured on the job may be eligible for workers’ compensation. Below, Hamilton Fox & Company Inc. will explain what workers’ compensation is and how you can file a claim if you were injured on the job.

What Is Workers’ Comp?

Workers’ compensation or “workers’ comp” is a form of insurance that business owners must purchase for their employees. Most employers must purchase workers’ compensation insurance for their employees by law.

Paying into workers compensation allows workers who were seriously injured on the job to receive compensation for their lost wages and medical bills. In these situations, it protects both the employees and the employer because those who seek workers compensation also cannot sue their employers if they are injured on the job (in most cases).

How to File a Workers’ Comp Claim

Both employees and employers will need to file a workers’ comp claim in the event of an injury.

As an employee, you must abide by a timeline that involves notifying your employer as well as the insurance company of your injury. Employers, in turn, must file their own paperwork with the insurance agency to notify them that a claim is being made for workers’ comp insurance. All plans will differ, but for the most part, filing a workers’ comp claim is simple and straightforward. Talk to your insurance provider for complete details.

Contact Hamilton Fox & Company Inc. Today

If you are a Miami or Pinecrest, FL resident, Hamilton Fox & Company Inc. can aid you in purchasing workers’ compensation insurance for your company or business. To learn about your workers’ comp plan options, contact us directly by visiting our nearest location or giving us a call.