Workers Compensation Laws in Arizona

Workers compensation is a form of insurance provided by an employer and gives compensation and medical care for their workers who are injured while on the employment site or due to their employment. This is given in exchange for waving your rights to be able to sue your employer if you have a minor injury, are severely injured, or even for your family to sue if you are killed or die in a working accident. This means that you are saying that if they pay or use workers compensation you will not sue for their negligence or for injuries that are acquired at their fault.

Multiple levels of coverage range from simply covering any hospital or treatment expenses to weekly payments if you are no longer able to work and need to go onto disability.

Know your Disability Benefits

Being injured, whether temporarily or permanently, can be horrible for a family that depends on a paycheck to make a living. However, there are compensations entitled to the family if something happens to a loved one. One of these compensations is covered by workers compensation laws.

If you receive disability benefits for being injured or if a loved one is injured, this benefit is measured against how much you or the individual would have earned each week. Disability will have an expiration limit based on how long the injury itself will affect the person. If you feel you are not receiving the amount you should be in disability benefits, you should first query your employer and than contact an insurance lawyer who can advise you.

In addition, remember that your disability benefits do count as income and you will be taxed for them. Although only a small portion is taxable, it is important to know how much you are taxed and how you are to pay these taxes if you are surviving solely off of disability benefits.

Dying on the Job

There is always a possibility that an accident may prove fatal. Should this happen to you or a loved one, death benefits may be applicable. Always verify the agreement, which you sign with your employer in order to make sure you understand your rights. You will also wish to do this to learn when these benefits may be given to you, as some families will depend on them being given right away for them to use.

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