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What should I know about workers' compensation coverage?

Workers' compensation was created to make sure employees would be able to seek medical attention in the case that they were injured in the course of employment. They are also entitled to additional benefits, like pay for missed days at work, in some cases.

How do employers get this insurance?

Workers' compensation itself is purchased by the employer through the state or a private insurance company in most situations. If the employer wants to be self-insured, it has to get approval from the New Hampshire Department of Labor.

Does an employer have to carry workers' compensation?

It's a requirement for employers to carry workers' compensation if they have one or more employees, except for in a few cases. For instance, someone hiring a family member may be exempt from having workers' compensation insurance, depending on the nature of the work. Employers do not have to cover independent contractors.

What kinds of injuries are covered under workers' compensation insurance?

Workers' compensation insurance covers a number of injuries that take place while you're on the job. For example, if you're walking to a meeting and trip, you could hurt your elbow or wrist. If you go to the doctor and seek medical advice, you would state that it was an injury that you suffered in the workplace. Then, your employer would likely submit the claim, and if not, you may do so directly with the help of your attorney. Finally, because the accident took place when you were doing your job, you should find that the workers' compensation insurance covers your medical bills.

Source: New Hampshire Bar, "What Is Workers' Compensation?," accessed Dec. 20, 2016

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