Workers' compensation is insurance that employers in Arizona -- and other states – purchase to help cover medical expenses and lost wages when an employee is injured on the job. In exchange, the employee agrees not to sue when he or she is injured, regardless of who is at fault. This, perhaps, is one of the best aspects of workers' compensation; everybody makes mistakes from time to time, and it's nice to know that even when an employee is hurt at work due to an error or momentary lapse in judgment, he or she will not be saddled with insurmountable medical bills.
Sometimes, accidents at Arizona job sites happen in an instant. Often, though, office workers experience more gradual injuries, issues that build up over time after lots of repetitive movement or strain. University researchers have come up with what they hope will be a useful tool to quickly and easily determine stress damage caused by computer programs.
Training is a vital part of any Arizona industry. Instructing workers how to safely perform their duties is the responsibility of every employer. When that training is not provided, a workplace accident is practically inevitable.
The men and women who handle baggage at the nation's airports, including those here in Arizona, go about their daily duties behind the scenes. Few people consider the fact that baggage handlers are hurt at work on a consistent basis. Lifting bags, boxes and other cargo, among other hazards they face, causes numerous injuries each year.
Arizona workers are not only eligible for workers' compensation benefits after being wounded in a catastrophic and sudden accident while at work. They are also eligible for benefits when they suffer from gradual injuries that develop over time. Due to the fact that it can takes weeks, months or even years for these injuries to reach an intolerable level, the insurer and employer might attempt to either reduce the benefits you receive or deny your claim all together.
Most Arizona companies take the safety of their employees seriously and provide them with the training and equipment they need to keep from being hurt on-the-job. However, other companies fail to follow the regulations and laws enforced by the Occupational Safety and Health Administration (OSHA). They fail to acknowledge that the proper training and equipment are essential to preventing a work injury.
Most Arizona residents likely do not expect to become involved in a workplace accident. However, this kind of situation can happen to just about anyone, regardless of the type of environment in which a person works. Understandably, many emotions can arise following a workplace accident. A victim may feel confused, scared, even outraged. These emotions may drive a victim to want to act quickly. However, it is often important to consider consulting with an attorney with experience in workers' compensation before taking any action.
Workers in Arizona who suffer an on-the-job injury and receive workers' compensation need to be aware that the workers' compensation payments might affect Social Security disability payments, if they also receive those payments. If a person is receiving payments from private insurers or pension funds, then the payments from Social Security will not be affected. Workers' compensation is a different matter. Since workers' compensation payments are made to a worker who suffered an injury at work and might be paid by the state or federal institutions, SSD payments can be reduced.
There are various issues that will factor in when receiving workers' compensation benefits in Arizona after an on-the-job injury. Having a grasp on these issues and following the required protocol can ease the process when trying to receive the applicable benefits after an injury. One important point that must be understood is time lost claims.
Workers in Arizona who suffer an on-the-job injury need to know how to file an injury claim with the state. This is very important when receiving repayment for medical expenses and other compensatory benefits. The worker is required to file the claim within one year of the date that the injury occurred. As soon as a workplace injury has happened, it is also the responsibility of the worker to let the employer know immediatelyy. This will be done by filling out and signing a form at the doctor's office or by getting a Worker's Report of Injury from the Industrial Commission of Arizona. Either one of these will be sufficient to be considered a claim form when seeking benefits.