Are you a Virginia resident who works in the state? If you are, you should know that certain workers’ compensation laws apply to your job. These laws exist to protect both employers and employees in the event of an accident or injury at work. So it’s important to understand them. Read on for a primer on Virginia workers comp laws and what every resident should know.
What is Workers Comp?
Workers’ compensation, commonly referred to as “workers comp” or “workman’s comp”, is an insurance-based system. It is designed to provide income and medical benefits to employees who have been injured while on the job.
These laws intend to ensure employees have access to the care they need. And, they can do that without suffering financially from their injuries. In return, employers are protected from lawsuits related to workplace accidents or injuries.
Who Qualifies For Benefits?
To qualify for workers comp in Virginia, you must meet certain criteria. First, your employer must carry workers’ comp insurance to be eligible. Additionally, all employers with three or more employees must have it in place legally.
Secondly, your injury must have occurred while performing duties related to your job and not due to any negligence on your part. Finally, you must report your injury within 30 days of the accident, or you will be ineligible for compensation.
So, what group is eligible? Here’s more;
- Employees: The most obvious group that should have workers comp coverage are employees of an organization or business. This includes full-time, part-time, seasonal, and contract workers. You can sometimes qualify for workers comp even if you’re an independent contractor. So, it pays to do your research.
- Domestic Workers: Domestic workers are often overlooked regarding workers comp coverage, but they’re just as eligible as any other type of employee. This includes nannies, housekeepers, and other domestic staff members employed by someone else on a regular basis.
- Volunteers: Volunteers can also qualify for workers’ comp insurance in Virginia. This includes volunteers working with non-profit organizations and other community groups injured while performing their duties.
- Federal Employees: Any federal employee working within the state of Virginia is entitled to receive workers’ comp benefits if they become injured or ill while on the job. This includes all levels of federal employees—from the President of the United States to administrative assistants. That remains the case as long as they meet certain criteria set forth by the U.S. Department of Labor’s Office of Worker’s Compensation Programs (OWCP).
What Benefits Does It Cover?
If you are eligible for Virginia workers comp insurance, it will cover medical expenses related to your injury and any lost wages due to missed time at work (up to two-thirds of your regular salary). It can also cover vocational rehabilitation and death benefits if necessary. Additionally, any legal fees associated with filing a claim may also be covered.
Get Virginia Workers Comp Insurance Today
No one wants to get hurt on the job. But, unfortunately, accidents happen. This is why it’s important that everyone understand their rights when it comes to workers’ compensation in Virginia. If you think you may qualify for workers’ comp coverage, don’t hesitate. With just the right paperwork and documentation, getting the coverage and assistance you need should be straightforward. Get Virginia workers comp insurance and secure your future today.