Not every profession or job is confined to the borders of one state. In some organizations, it is quite common to travel, even to foreign countries. Some of these jobs are contractual in nature, while others are part of a permanent job pattern. What happens, then, when you get hurt in a different state than the one in which you reside?
Workers’ compensation insurance laws vary from place to place. While there are some regularities, it is a business that is mostly unregulated by the federal government. How do you proceed with getting the financial and medical benefits you need after suffering an injury on the job? Gain some general insight into how to handle a claim when you were injured on the job while out of state and how a workers compensation attorney, like from Rispoli & Borneo, can help.
Laws Vary
There are some federal guidelines when it comes to regulating safety in the workplace. However, workers’ compensation coverage is largely handled by state laws. The home state of the business is the one that dictates how that company handles workers’ compensation coverage for its workforce. Some businesses may not need to carry the coverage. Any state in which a company operates may require them to get some kind of coverage depending on the type of service it provides and the workforce’s size within the boundary of the state.
Employee’s Choice
The laws governing who needs workers’ compensation also dictate the kind of coverage a business must carry. This means that some states may want employers to have a higher policy than others. Some professions, such as construction, almost always require contractors and subcontractors to carry some kind of bodily injury coverage. Other companies may only need minimum limits. When a worker is hurt in one state but resides in another, they have the right to choose between the two when filing. This allows the employee to decide which type of coverage is more and file there. For instance, some states may require a company to carry a policy that pays out at 80 percent of an employee’s salary, while other states may only require 50 percent. Obviously, an employee would want to maximize compensation and file for larger benefits if available.
A workers’ compensation lawyer may give you some further assurances on how to proceed with a claim. When you get hurt as a part of your regular work duties, you may need long-term treatment and financial support. Learn your rights when it comes to getting the help you need.
