Suffering an on-the-job injury can not only cause a significant interruption in daily life, but can result in physical injuries and financial distress. While navigating financial and career interruptions may be unavoidable when it comes to a workplace injury, Nevada state law requires that all companies with one or more employees must carry workers’ compensation insurance. While it is true that every state requires businesses to carry workers’ compensation insurance coverage, the laws are not the same in every state.
Workers’ Compensation Explained
Workers’ compensation insurance is state-mandated insurance coverage. Nevada, like all states across the nation, requires businesses to have this coverage if they have a certain number of employees. The purpose of workers’ compensation insurance is to provide employees with monetary compensation for any injuries that arise out of or in the course of their employment. Workers’ compensation benefits are designed to make up for lost wages due to missed work - assuming the hurt worker missed five consecutive days or a total of five days during a 20-day period.
Workers’ compensation is a “no-fault” system and employers and employees who suffer an on-the-job injury are unable to sue their employer if they receive workers’ compensation benefits - with few and narrow exceptions to this rule.
Workers’ Compensation Benefits
Since there are several types of job industries, work-related injuries can be defined in different ways for virtually every company or industry. Under workers’ compensation law, however, as long as the injury arose out of and in the course of the worker’s job duties, it is covered by workers’ compensation insurance. In fact, the actual injury need not necessarily occur on the actual workplace site. Many times an injury may occur while the worker is coming and going from work, running a work-related errand, traveling during a business trip, or attending a social work event.
Many of the benefits that workers’ compensation covers for on-the-job injuries include:
First aid, hospital, or emergency room visits;
Physician visits with treating physicians;
Medical testing including MRIs, CT scans, and X-rays;
Necessary prescription medications;
Other medical treatment;
Funeral expenses up to $10,000;
Lost past and future income reimbursement;
Survivor benefits for family members in the event of death; and
Travel reimbursement for travel to and from court and medical appointments.
Beyond the above workers’ compensation benefits, injured employees may also be eligible to receive disability benefits. Generally, these benefits include the injured employee receiving 66.67% of the individual’s average monthly wage prior to becoming unable to work. An injured worker may continue receiving benefits until a treating physician determines the patient has met maximum medical improvement (MMI) - in other words, the medical condition becomes permanent.
Of note, workers’ compensation benefits do not cover injuries that resulted due to being under the influence of alcohol or drugs, self-inflicted injuries, injuries sustained while committing a crime, and injuries that did not arise out of and in the course of the worker’s employment.
Personal Injury Help in Las Vegas
Work-related injuries can often result in serious and life-long disabilities. If you or someone you know has suffered an on-the-job injury in Las Vegas, contact the skilled personal injury attorneys at Parry & Pfau today.
(image courtesy of Leo Fosdal)