Inexperience is a major contributing factor to workplace accidents. Someone who doesn’t understand the flow within the factory is more likely to get hurt through a timing mistake than seasoned workers. Those still learning how to safely lift in a warehouse environment could throw their back out in their first week of training and find themselves unable to work for months.
Obviously, these injuries can happen to anyone, but they are particularly stressful for those who are just starting out at a job or who are temp workers for a company. What protections do you have as a temp worker who got hurt when just starting out at a company?
Every worker should have workers’ compensation insurance
State law requires that companies carry workers’ compensation coverage for all employees. If a company directly hired you as a temporary staff member, then they should have extended workers’ compensation coverage to you when they hired you. If you work at a facility but are technically on the payroll of an employment service, then the company that issues your paycheck will likely be the one providing your workers’ compensation coverage.
Whether you have been a temp worker for months or got hurt on your second day of training, you can still qualify for benefits. There is no minimum amount of time required at a job to claim workers’ compensation benefits. You don’t even need to be a full-time worker to qualify.
How does workers’ compensation help?
The most obvious way that workers’ compensation protects you is by extending full coverage medical benefits. You won’t have co-pay or co-insurance, nor will there be a deductible that you have to pay out-of-pocket before insurance will pay for your treatment.
You can also qualify for disability or indemnity benefits. You can receive up to two-thirds of your average weekly wages from workers’ compensation until you can get back to work. Workers’ compensation claims also often come with reduced job responsibilities as outlined by the physician overseeing the care of the injured worker.
Knowing your rights, including the right to file a Georgia workers’ compensation benefits claim, will be very important for any temp worker who suffers injuries on the job.