Can someone explain Worker's Comp to me?

Question

My husband injured himself at work two days ago. His supervisor told the ER to file it under worker's comp, but they would have to get the information from the owner of the company. He was also told by the doctor that he needed to take off a week, but the owner of the company refused to pay him for time. Also, we are beginning to wonder if the owner of the company even has worker's comp because today he asked my husband how his credit was because medical bills wouldn't really hurt his credit (where he gets this I am not really sure). So, now we wonder if he even filed the ER visit under worker's comp otherwise why would he say that. Also, will worker's comp pay for just a week off or do you have to have a more serious injury? Who would I call tomorrow to find out if it was filed under worker's comp? It will probably be a big bill because my husband also had to have surgery (while he was working the blade on a utility knife broke and cut his wrist open). I don't think we should be responsible, and if the man refuses to pay or does not have worker's comp (which is illegal), then we have no choice but to sue.

Answer 1

1. Werkers komp vary sumwot from state tu state, but jenral idea is it pae  medikal bills & pae sum tuward lost wages.

2. The medikal plaeses (hospital, dokter, drugstore) shood send bills direkt tu state werkers komp, wotever that is weer yu R.

Tu duit, em gotta kontakt the kumpanee & get its akkount number.  If kumpanee dont ko-operate, kall the werkers komp folks.

3. Heer in Texas, yu dont get paed for the first week yu kant werk.  Then du get paed for next fyu week up tu a limit.

4. werkers komp kan pae a lot if werker is disabeled.

If yu kant du NE reel werk, it mae pae for rest av yer life.

& if medikal bills R reel big, it still pae.  Sumtimes pae a

milyun buks in medikal bills.

Answer 2

what state are you in?

edit the question or e-mail me and i will send you the links you need.

generally all employers must carry workers compensation insurance, this varies by state but it usually will be carried by an insurance company. some states actually carry the policies and some businesses are self-insured. the amount of time you must be out of work varies as well but generally the minimum is 7 days there are some states that only require 3 days. you will not have to pay any medical bill that is related to the work injury and regardless of if the employer is properly insured you can not be held responsible for the bills.

more specific information can be provided once you provide what state you are in.

Answer 3

If this was a work related injury it up to the employer to pay the bills.

There may be some strings attached which require a drug test ( in this state anyway) but it does not remove the employers responsibility to pay.

As for the week off I fear there is not much you can do unless there is some disability coverage available.

What your credit has to do with any of this is beyond me.