What are the pros and cons of filing workman's comp?

Question

While at work, as I was bending over to get a glass out of a floor freezer and twisted to set the glass on the bar, I sprained my back. I went to a chiropractor and he said I should file workman's comp. I do not health insurance and I paid cash for this doctor visit and was not planning on filing workman's comp. The chiropractor said welcome to the world of backpain and thinks this has opened a door to problems. I worked last night and was in tears because I was unable to perform my job functions. I almost walked out leaving my boss alone to work, but stayed and just worked carefully and slowly. Now, I'm worried that future injuries will be a problem to affect being able to work and am not sure what to do with filing for workman's comp. I am currently looking for better job and afraid claim will be bad mark on record. I currently just applied for individual health care too and don't want this injury to affect approval of that. What are pros and cons? Help me decide!!

Answer 1

if you got injured during work-time at your workplace, or any place doing your job for your employer, (in Ontario, Canada), you should inform your employer. If its very minor like a paper-cut or scratch or something, you can use the first-aid kit for disinfectant and bandage, but if its anything that you see a medical professional (Dr, etc) about, then your employer is required by law, to report Worker's Compensation. You will be paid for time off for emergency or for a Doctor, if its required, and your employer will be required to modify your job or your facilities(like providing special chair or whatever) while you heal, If you 're unable to do your job, your employer is required to provide alternative work, IF they can. IF they cannot, then Worker's Comp. Insurance will pay until you get some job you can do somewhere else. There is a time limit for your employer to report it, I think 2 or 3 days, depending on your Province or State. If s/he doesn't report it, there can be hefty fines. (employers trying to hide such things are considered virtual criminals). In this case, your employer may still be safe, because you didn't tell him, s/he didn't know, so workers comp will just frown.

There could be negative consequences to the employer if they know about a "serious" injury and do not report it.
There are no negative consequences to reporting an injury. Employers may not punish you for it.

Rule of thumb for the future, any injury or illness from your workplace "serious" enough ---- that is, IF you go see a doctor or medical pro about it, then you have to tell your boss and they need to report it to Workers Compensation.

Answer 2

Get your health insurance before you file workman's comp - because once you file, any insurance company can get that information before they cover you.

Workman's comp is for an on the job injury - if you want to file, better do it now, so you can prove it's on the job - hard to do with back pain, hopefully someone saw it happen - at a minimum, file an injury claim at work - then you'll have some proof.

Insurace is there for a reason - if you can go on comp, heal your back and come back, that's what it's for. BTW, I prefer that you go to a physical therapist, chiropractors don't have the medical rigor I prefer (some are great, but some have no medical background at all).

Answer 3

this is not proper if he harm his back hauling a million cart or a hundred carts. it continues to be a artwork harm that would desire to not bar him from artwork comp advantages. (nevertheless he would be subject to well-known disciplinary action for breaking a rule.) so some distance as scientific scientific care, that's probably that he does ought to manage with the corporation's chosen sanatorium. this is not probably a "determination" because of the fact they might him to the commercial sanatorium. regularly, that administration is long previous after 30 days or so and then your son can elect a clean well-known Treater. you will ought to verify with the adjuster. Your supervisor isn't a doctor. this is the wellbeing practitioner's job to verify a correlation between the harm and the mentioned reason for the harm. That wellbeing practitioner will checklist to the adjuster no depend if or not there's a correlation. that's then the adjuster's job to take that scientific opinion (back your supervisor isn't a scientific expert) besides because of the fact the different information (does the surveillance be sure you have been exterior hauling carts, what do witnesses say, and so on.) and verify if the harm is artwork proper. additionally, only when you consider which you're actually not grabbing your back in discomfort in front of the digital camera does not advise you probably did not get harm at artwork. that's not the 1st time somebody tried to artwork the remainder of their shift after an harm thinking it grew to become into minor in basic terms to locate themselves not waiting to get off the mattress day after on the instant. as some distance because of the fact the harrassment, this is a kind of discrimination and that's illegitimate for any corporation to discriminate against any injured worker. it could look useful so you might get written up for breaking a rule, yet something previous it is uncalled for. Union must be waiting to assist. H.R. branch ought to additionally be waiting to assist. This sounds like a minor declare. He ought to get better after some conservative scientific care (drugs, therapy, mild duties, and so on.) and it would be a somewhat low-priced declare to your corporation. what's going to make this greater extreme priced for the corporation is that in case you have been to get an lawyer. much greater dearer to function a discrimination allegation to the artwork comp declare. If all else fails, then it would desire to be time to apply this as a risk.

Answer 4

Since you have seen a doctor the injury is now on your record. Any "personal" insurance claims in the future will ask if the injury was at work or was it preexisting and will not cover it.

You must file a claim or you will lose not only current coverage but coverage for any problems in the future. Most employers will not fight it since their cost is a percentage of your pay. The only way their cost will go up is if they have too many claims.

Answer 5

First of all once you apply for workman's comp it will always be on your record. It wasn't your works fault that you sprained your back. They did nothing wrong. They will fight it tooth and nail and you will lose and you will still have it on your record. Everyone sprains their back, ankles once or twice in their lifetimes. Why do you have to 'sue' someone for your body spraining? When I hire people I always ask and I always check. It goes with you forever. Of course the chiropractor wants you to believe that it is a door to problems. He preys on people who can do workman's comp. He is an ambulance chaser.