As the broker for the owner of a nursing home with many employees doing strenuous work activities, you need to provide a workers compensation insurance program in the event someone sustains an occupational disease or illness as a result of their employment. Most employers look to their agents to provide a better understanding of the benefits of workers’ compensation insurance.
Employees that sustain an injury arising out of, and in the course of employment, including any disease or infection as a result of a work-related injury are entitled to compensation under the law. The only requirement is, of course, that the injury or illness must occur within the scope of their employment. For example, any injuries occurring during commuting to work or during non-work related activities will not be covered under a workers’ compensation claim.
Common job related injuries related to nursing
Nurses, especially those caring for bed-ridden individuals, have some typical job related
Injuries that they are most prone to, including back strains, sprains of any kind, knee and elbow injuries, shoulder injuries, and injuries related to lifting, or pulling/pushing heavy objects or persons.
Occupational illnesses can include anything from toxic exposures over a long period of time, to conditions such as carpal tunnel syndrome, which is common for workers who spend an inordinate amount of time working on computers, or performing other repetitive tasks.
Workers are responsible for reporting their workplace injury or work-related illness to their employer as soon as the accident or injury occurs, or as soon as possible. If a doctor informs the injured party that they are suffering from a work-related injury or illness, they are required to report the injury or illness to their employer within 30 days of the date that their doctor told them this information. Failure to report within the timeframe required can possibly result in the denial of any workers’ compensation claim.
Workers compensation laws are in place to protect the employer as well as his or her employees. Providing your clients with the best workers compensation insurance available provides the type of benefits that can have a lasting effect on the employer-employee relationship.