How Are Injuries in Construction Work Addressed Under Workers' Compensation?

Injuries in construction work are common due to the physically demanding nature of the job. Workers’ compensation is designed to provide financial and medical benefits to employees who are injured while performing their job duties, ensuring they are supported during recovery and able to return to work.

Steps to Address Injuries Under Workers' Compensation

Report the Injury Immediately:

Notify your employer about the injury as soon as possible, as delays in reporting can complicate the claims process. This can be done in writing or verbally.

Seek Medical Attention:

Get medical treatment for your injury right away. Depending on the severity, your employer may have a preferred medical provider or you may be free to choose your own healthcare provider.

File a Workers' Compensation Claim:

Complete the necessary forms to file a workers’ compensation claim. This typically includes providing details about the accident, the injury, and any medical treatments you have received.

Follow Medical Advice:

Adhere to the prescribed treatments and attend follow-up appointments to ensure that your recovery is progressing. Failing to follow medical advice could impact your compensation.

Monitor Lost Wages:

Workers' compensation often covers a portion of lost wages. Be sure to document any time missed from work, as this will be important for calculating the amount of compensation you are entitled to.

Employer's Responsibility:

Your employer is generally required to carry workers' compensation insurance to cover injuries on the job. Make sure your employer has this insurance and that your injury is properly reported and processed.

Appeal If Necessary:

If your workers' compensation claim is denied or if you disagree with the compensation offered, you have the right to appeal the decision through your state’s workers' compensation board or commission.

Legal Rights and Employer's Obligations

No-Fault System:

Workers' compensation operates on a no-fault basis, meaning you don’t need to prove your employer was negligent. You are entitled to compensation as long as the injury occurred in the course of your employment.

Employer Protection:

Workers' compensation is typically the exclusive remedy for on-the-job injuries, preventing employees from suing their employer for negligence.

Third-Party Claims:

If the injury was caused by a third party (e.g., defective equipment or another contractor), you may be able to file a separate claim against that party in addition to your workers' compensation claim.

Example

If a construction worker falls from scaffolding and breaks an arm:

• The worker reports the injury to their employer immediately.
• They seek medical treatment and are referred to an authorized healthcare provider under the workers’ compensation insurance plan.
• A workers' compensation claim is filed with the appropriate state agency, including medical records and details of the incident.
• The worker is compensated for medical expenses and a percentage of lost wages.
• If the worker disagrees with the compensation amount, they can appeal through the state workers’ compensation board.