Like other states, Pennsylvania has a workers' compensation system where employers must carry insurance to cover any work-related injuries their employees suffer. In exchange for a reliable source of compensation for medical expenses and lost wages, employees in turn, give up the right to sue their employers for most work injuries.
When you're injured in an on-the-job accident, the law requires your employer to pay your medical bills and replace your wages if you're unable to return to work. That's why employers carry workers' compensation insurance. What happens if the worker is killed, then? His or her family is left dealing with medical expenses, funeral costs and lost wages. In this case, workers' compensation is designed to pay the family for their loss.
After a workplace accident, you might find yourself at the crossroads wondering what should be the next move. One question which lingers in the minds of most victims is who will settle the medical bills, and how to fend for themselves for the time they will be unable to work. Under the federal law of the United States, you are entitled to safe working conditions. Your employer must provide a workplace which is free from known safety and health hazards. If you are concerned about your workplace, you have the right to speak up without fear of retaliation from your employer. You are eligible for workers' compensation from your employer or insurance company if you sustain a workplace injury while working.
Previously, we began looking at the topic of workers’ compensation costs, and some of the legitimate ways employers may seek to contain and reduce their workers’ compensation expenses. These strategies can include, as we noted, improving worker training, carefully monitoring for fraud, implementing return-to-work programs, and maintaining a safe work environment. Employers and their insurers may also, of course, negotiate special arrangements with health care providers to help keep costs down.
According to a recent study, the state of Pennsylvania has been successful in reducing its overall workers’ compensation insurance costs. Whereas the state ranked as having the 17th highest workers’ compensation costs in 2014, the state was recently ranked as 26th, which is a significant improvement.