Workers' Compensation in Cleveland
Workers' Compensation in Cleveland
Workers' Compensation in Cleveland
Most people who have held a job, and even those that haven't, are familiar with the term "workers' compensation." If someone gets injured on the job, the employer is obligated to take care of themsounds simple enough. However, sometimes when injuries happen in the workplace, lines become fuzzy. A warehouse worker might tough out a tweaked back. An office worker might ignore an illness caught at work.
In order for lines to remain black and white, a clear understanding of workers' compensation in Cleveland is required.
Employers must provide workers' compensation coverage for:
full and part-time workers
seasonal workers
undocumented workers
workers who are paid in cash
family members who are employees
people who work for no pay
In addition:
Business owners who are also employees of their own companies must buy insurance for themselves.
Domestic service workers such as nannies or housekeepers must be insured if they work 16 hours or more per week.
People who are self-employed do not have to buy workers' compensation insurance for themselves, but can if they choose.
Workers' compensation is no-fault insurance. It does not matter if you or your employer is at fault. However:
if your injury or illness was caused by your own "serious and willful misconduct," you are not eligible for benefits
if your injury or illness was caused by your employer's "serious and willful misconduct," you are eligible for double benefits
Injuries or illnesses must be work-related to be covered by workers' compensation. The rules arecomplicated. In general, the following types of injuries and illnesses are covered if they are work-related:
illness frombeing exposedto toxic substances
infectious diseasesthat you caughtat work
work-induced heart attack or stroke
depression or othermental healthproblems caused by your job
scarring of the face, neck, or hands
loss of bodily function
hernias or back problems caused by your job
carpal tunnel and other repetitive stress injuries
prior health conditions that are made worse by your job
hearing problems
cuts, burns, scrapes, broken bones
other bodily injury
For more information on workers' compensation in Cleveland, whether you've been injured or not, your best bet is to get in contact with a non-biased Cleveland attorney.
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