To some individuals, their work is the only source
of livelihood that they have. This makes it difficult for them to miss their
work as doing so would mean cuts in their paychecks. That is why some of them,
especially minimum wage earners have been making a conscious effort to be at
work every day even if they are sick or have a medical condition that bothers
them. However, there are times that an employee ends up getting sick or injured
because of conditions in the workplace. While accidents can generally be
avoided, some employers end up failing to do what is right which leave their
employees hurt and injured. Realizing this, some lawmakers have come up with a
form of insurance that will enable people to support employees even if they are
unable to work due to a medical condition that leaves them disabled, either
temporarily or permanently, and not able to work.
Workers’ Compensation
In dangerous workplaces, accidents that lead to
injuries are quite frequently happening. Such leaves an employee disabled and
unable to perform his duties at work. This makes them lose potential earnings. For
them to be able to receive wage replacement and medical benefits to help them
get treated or at least have a means of survival in spite of not being able to
work, a workers’ compensation insurance is made. Through this, one can get
payments in place of wages, compensation for economic loss, reimbursement for
the payment of medical and other similar expenses, as well as benefits that are
payable to the dependents of the workers should they get killed during
employment. All of these are given in exchange for one’s mandatory
relinquishment of their right to sue their employer for negligence. This,
according to lawmakers are a win-win solution as an injured or killed employee,
and his or her family’s future is secured without having to go through the
painful and difficult stage of litigation for charges that one will file
against their employers.
Abuse of Workers’ Compensation Benefits
Sadly there are individuals who would want to take
advantage of these forms of insurance. Case in point is the story of Shawna
Palmer, a female worker in Sacramento, California. According to authorities, Palmer
pretended that she had a foot injury that has been keeping her from going to
work. The owners of the company then have let Palmer take a leave of absence
while she was receiving her workers’
compensation benefits, something that she requested for. Not
long after though, videos of Palmer joining a beauty pageant surfaced, a clear
case of fraud. In the pageants, she was even seen wearing high-heeled shoes
while walking on the ramp. After getting busted for lying, the California Department
of Insurance has booked Palmer for workers compensation fraud. If found guilty,
Palmer might end up serving a full year in jail and pay up to $25,000 in fines,
something that will be hard to do as her employer have already fired her.
A workers’ compensation attorney in California reminded
employees that remedies like these should be respected and not used for taking
advantage of your employer. Doing so may lead to legal complications that may
get you in bigger trouble, something that you would definitely not want to
happen. Since acts of fraud can be discovered most of the time, cases like
these might end up with you not being able to file such claims when the real
need arises.
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