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Don't Let Workers Compensation Fool You

Don't Let Workers Compensation Fool You
Brutus - Mon May 07, 2012 @ 08:01AM
Comments: 7

Don't let workers' compensation fool you. On the one hand it is great that if you get hurt or sick on the job, you get to keep your job. You get your medical bills covered, time to heal up, and even a little compensation to cover your lost wages. If you never fully recover, then you get retrained to do something else or they give you a desk job with AC which can't be beat. Who wouldn't give up a limb to have it easy like the admin staff? But do you see the catch? YOU get hurt at work, but YOU are the one that takes it in the shorts. Workers' Compensation almost NEVER pays you as much as you were making. You only get like 40% to 60% of your lost wages, or something like that. How is that fair? You get hurt, so you get the paycut. Your boss certainly doesn't take a cut for losing your productivity and neither does his boss. Only you are the proud recipient of a discount!

Now you ask what is workers' compensation, really? It is an insurance program that benefits the employer. By acccepting workers' compensation, by signing the papers to get what they call "benefits," assuming you are not at all at fault when you get hurt or sick, you are agreeing not to sue your employer. In return for this agreement you get a big cut in pay. What is the upside for you? You get to keep your job and don't have to go to court to get something, even though you might be able to get a full recovery. In the end, some argue workers' compensation is just a way to screw employees because most of them can't afford to go to court in the first place. So, if you are seriously hurt on the job, talk to a lawyer before you sign anything. You don't want to give up an arm or a leg just to take a temporary pay cut.

Comments: 7

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