When you start a job, you may be asked to sign some forms that are in regards to workers compensation. Take a second to read over these and see if by signing these documents you are making the correct decision. Some individuals sign these forms not knowing what they are or what signing these forms can mean if anything happens to you while you are working for this employer or is you are injured while on the worksite.
Workers compensation is a type of insurance coverage that is given to a person after an accident, injury, or death, that is related to their employment. When you sign these forms you will be saying that you are alright with receiving workers compensation and that you will not sue the company of employment for any part of the injury that was due to their work, company officials, or negligence.
Once this type of coverage is accepted if there is an injury or even a death there are some different forms of compensation. For instance, you could be paid by week if you are no longer able to work or you could only have your hospital and medical bills covered, partially or in full. You may want to ask an employer about the different types of workers compensations that they use or if there where to be specific accident what it is that would happen to the person injured and that person's family.
If you are injured while on the job, your employer must pay you disability benefits. These benefits are designed to cover your medical and living expenses during the time you are disabled. This compensation will only give you a portion of your paycheck, and is therefore not complete exchange. However, it will allow you to survive until something can be done about your medical condition or you heal.
If a fatal accident occurs, your employer has insurance to take care of you and your loved ones. There is also a small bonus for burial fees, and enough for your family to live off of until an alternate form of income can be located. Be sure to let your family know they may have some assistance, as in some cases a family may not be thinking properly after your death. You may also wish to give your lawyer this information to allow him or her to assist your family during this time.