Worker Compensation Specialist in Maui, Wailuku, HI

Workers’ compensation is a type of insurance that provides medical care and/or benefits to any employee who suffers an injury or illness as a direct result of employment, such as when performing work-related duties or due to the workplace environment. In the United States, workers’ compensation coverage is mandatory and serves to protect both the employee and employer. It protects the employees from lost wages due to time off of work, and it protects employers from being held liable for the employee’s injuries in a court of law.

The following are examples of workers’ compensation:

• If a worker slips and falls resulting in an injury at the workplace, they can report it to management and receive coverage.

• In a construction zone, if a worker gets struck by an object falling from a high level, they can file a claim against these types of injuries.

• If a worker sustains an injury due to a machinery accident, they can also file a claim and receive compensation. However, since employers tend to implement many safety measures for machinery operators, these have become far less common.

• In factory jobs where heavy lifting is required, if a worker strains or overexerts their muscles, they can claim injuries due to overexertion from workers’ compensation insurance.

Workers’ compensation insurance provides coverage for the following:

• Medical Treatments — This includes doctor’s appointments, medication, hospital visits, therapy, and recovery equipment.

• Disability Benefits — In case of temporary disability, workers’ compensation can help employees cover some of their lost income until they are able to return to work. In the case of permanent disability, the insurer can provide disability benefits for life.

• Rehabilitation — It also provides ongoing care to employees concerning physical therapy or rehabilitation.

• Death and Funeral Services — In case the employee loses life due to injury or illness at the workplace, some insurance policies can also provide coverage for death and funeral expenses; the limit on the coverage for this expense differs from state to state.

Workers’ compensation insurance covers most injuries that occur on the job, including accidents and illnesses caused by exposure to hazardous materials, dangerous equipment, and work-related activities. As soon as an employee suffers an occupational injury that is covered by workers’ comp insurance, it is imperative to file the claim as soon as possible. This is because there is a time-sensitive period for when an employee can report the incident and collect benefits. The following types of injuries, illnesses, and ailments are covered under workers’ compensation:

• Overexertion
• Slips and Falls
• Struck by an Object
• Machinery Accidents
• Falling
• Workplace Violence

In general, workers’ compensation does not cover the following types of injuries:

• Stress or other psychiatric disorders
• Self-inflicted injuries
• Injuries caused by fighting or horseplay
• Injuries incurred while committing a crime, while violating company policies or code of conduct, or while under the influence of drugs or alcohol

If you have been injured on the job, come to NorthShore Orthopedics in Wailuku, HI. Our kind and compassionate professionals are dedicated to helping you with your workers’ compensation claim, and can also help you recover from your injuries. Call us today to book an appointment for workers’ compensation, or visit our clinic conveniently located at 1827 Wells Street #1, Wailuku, HI 96793. We look forward to serving you! We serve patients from Maui, Wailuku HI, Lahaina HI, Kahului HI, Kihei HI, Wailuku HI, Kula HI, Makawao HI, Paia HI, Wailea HI, Haiku HI, and Waihee-Waiehu HI.