Colorado employees who work in certain industries may be fully aware that their jobs are riskier than others. Those who work in construction may feel this way, as their work exposes them to potential harm more so than in other jobs. However, this does not mean that they are not entitled to file for workers’ compensation when it is warranted. Those who have questions about filing for workers’ compensation after a construction accident may find answers to several of their questions right here.
Though laws vary state to state, employers must carry workers’ compensation insurance for their employees in order to operate. Those who are injured on a construction site, or in another way that is directly related to their work, need to report their injuries to their employer as soon as possible, preferably in writing. Employers are required to give injured workers a claim form, which employees need to complete and file before any benefits can be received. If a Colorado employee encounters any difficulty, he or she may be able to seek assistance from the Department of Labor and Employment.
Workers’ compensation is meant to cover several different costs. Medical treatment is often the biggest financial burden for an injured construction worker and can even include a mileage allowance for an employee who has to travel to a hospital for treatment. Temporary or permanent disability may be needed, if an employee has to miss work due to the injury or if he or she can no longer work at all. There are many points used to calculate either of these benefits, but one’s current salary or wages is a significant factor. Finally, if an employee is no longer able to work at his or her job and needs assistance in obtaining a new one, workers’ compensation can help cover vocational rehabilitation.
A construction accident has the potential to be devastating to an employee or his or her family. Workers’ compensation exists for the purpose of helping those who are affected by these potentially-devastating incidents. Colorado families deserve to know their options if they are dealing with such a situation.
Source: FindLaw, “Construction Accidents and Workers’ Compensation“, , Sept. 2, 2014