When you hear people discussing Post-Traumatic Stress Syndrome, you may think their conversation relates to military veterans. However, if you have suffered a traumatic injury at work -- or witnessed a tragedy involving co-workers -- you might also be a victim of PTSD. Treatment can be costly and lengthy, and you may be relieved to know that workers' compensation insurance covers PTSD.
If you have suffered a permanent disability on the job in California, or you have been grief stricken by the sudden loss of an immediate family member under such circumstances, you may be wondering what is best regarding trying to get the financial help you need in recovery.
If your loved one died in a workplace accident, there is obviously no adequate way to replace your loss. You probably have difficulty just thinking beyond your grief and sorrow. In addition to the emotional trauma of your situation, you may be facing serious financial challenges in the aftermath of your loved one's tragic death. Especially if this particular family member was a major breadwinner in your home, you may be completely unprepared to meet unexpected costs and debt that have arisen since the accident took place.
If you work outside the home in California, you're probably well aware that every job has ups, downs, good days and ones best forgotten.
Even if you work at a job that ranks among those most inherently dangerous, however, you likely don't expect to show up for work then wind up lying in the back of an ambulance because you've been seriously injured in an accident on the job.
The good news is that OSHA has reported a drop in workplace injuries and illness for the 12th time in 13 years. While the numbers show a bright spot in worker safety and industry awareness, the numbers are still too high.
There were a total of 2.9 million reports, which comes to roughly 3 of every 100 workers. It's the lowest rate since 2002. Though OSHA is pleased with the decrease, there are questions about the accuracy of their findings and the reasons for the drop. As a whole, the federal agency is pleased with the numbers, but notes there is room for improvement.
The Occupational Safety & Health Administration (OSHA) just reported that on average, three million workers are injured on the job every year, and for approximately 4,500 workers those injuries are fatal. Year after year, the statistics regarding workplace dangers remain the same. What is the #1 cause of accidents? Falls.
Who gets injured or killed most often in workplace falls? Workers in the construction industry. Year after year. Despite numerous improvements and awareness of the problem, it's still far too dangerous for construction workers out there, given the statistics. Employers should take precautions, but often they do not, willing to take a chance with workers' safety-and their lives. Unfortunately, you often have to look out for yourself.
Did you know that workers' compensation is not only limited to on-the-job physical injury? That you can receive compensation for mental injury or for a work injury that occurs outside of the workplace? That you need also need to document everything? Here are the answers to the important questions you didn't know you should even be asking.
1. It is possible to get workers' compensation for a psychiatric or stress-related injury
Emotional and mental injuries are included under workers' compensation laws in the state of California. This kind of injury can be more difficult to prove because of scrutiny from employers and insurance companies. None-the-less it is probable and possible to receive compensation for mental injury.
Go to work. Get paid. Repeat. What happens if your job is causing injury that you may not really notice or suspect, yet? There are many jobs that cause damage to our bodies, but we fail to notice them right away and they hit us a little later in life. Hearing loss is an on-the-job injury that is often overlooked, but serious nonetheless.
Security guards are the first responders, the ones at the scene of an incident before the police, fire department or ambulance. At the Twin Towers on Sept. 11, 2001, thirty-three security guards died in the line of duty. Sept. 11 was an atypical day at work, but it emphasizes the dangers of the job.
Security guards are often viewed as a deterrent, observing the situation and reporting behavior, unarmed. This can put them in harm's way when dealing with a criminal element. Although more police officers are injured on the job each year than security guards, security guards are more likely to suffer a fatal injury at work.
The bills are piling up. Debt collectors are calling. You and your spouse are constantly on edge. You didn't ask to be hurt on the job. You work hard--always have--and you give 110 percent to your job. So why is it you are taking the financial hit for a workplace injury?
Worker's compensation is a type of insurance that pays lost wages and medical bills if you were hurt while working. But is only goes so far. Sure it is tax-free, but it is also only 60 percent of what you were making before. Your taxes sure never took up 40 percent of your paycheck. In fact, with kids and other deductions, taxes only took up about 15 percent. So why are you losing money from the very place that caused you r injury in the first place?
Airport travelers mostly think about the annoying delays and the lines at check-in, but it's a whole crazy world behind the scenes. To the public, safety in flight is the number one concern and the people doing the legwork and operations on the ground are overlooked. The rush to stay on schedule creates a hectic workplace where accidents happen.
It's a dangerous work environment. You work in a sea of vehicles, all in a hurry to be somewhere else and traveling on a chaotic highway system.