What is Work Comp?
Work comp is a type of insurance that provides medical benefits, wage replacement, and a lump sum for some permanent impairments to you as an employee when you sustain an injury as a result of an accident at work or if you develop a work-related injury and illness. It is designed to protect you against the economic hardship that may arise as a result of on-the-job injury. At the same time, work comp insurance serves to protect your employer from frivolous lawsuits.
Work comp system is a “no-fault” system where you do not have to prove employer negligence in order to receive work comp benefits. Different states and employers have different rules and regulations regarding the work comp plans. For example, plans can function as a form of (1) disability insurance, providing an injured worker with weekly payments in place of wages or compensation for past and future economic losses, (2) health insurance, reimbursing or covering medical expenses, and (3) life insurance, paying out benefits to the dependents of workers killed during employment.
Damages for pain and suffering are not available in work comp plans.
Work comp system is a “no-fault” system where you do not have to prove employer negligence in order to receive work comp benefits. Different states and employers have different rules and regulations regarding the work comp plans. For example, plans can function as a form of (1) disability insurance, providing an injured worker with weekly payments in place of wages or compensation for past and future economic losses, (2) health insurance, reimbursing or covering medical expenses, and (3) life insurance, paying out benefits to the dependents of workers killed during employment.
Damages for pain and suffering are not available in work comp plans.
How are work comp benefits obtained?
If you have suffered a work-related injury or experience work-related illness, you need to immediately notify your employer. In emergent cases, you need to inform your treating doctor that your injury is work-related so that he may file the first medical treatment report with the employer and your insurer.
How long does it take to receive benefits and/or compensation?
The amount of time varies with employers and insurers and is usually within the 30 days of notice of injury. For more in depth answers to most frequently asked questions about work comp, please visit Nebraska Employee FAQ for work comp.
For more information regarding Nebraska work comp laws, see Nebraska Work Comp Court and Rights and Obligations Under the Nebraska Work Comp Law.
For more information regarding Nebraska work comp laws, see Nebraska Work Comp Court and Rights and Obligations Under the Nebraska Work Comp Law.
