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Getting hurt around the job could be painful in one way or another. Not only is a person physically injured, but he or she can lose income caused by the injury. What's more, there can be medical bills to deal with. Fortunately, most employees today are covered by a program which is called Worker's Compensation.

Things began to change around 1911, when American states began adopting their own models of worker protection laws that had been put into place in England and Germany about 30 years earlier. Now states manage 55 different workers insurance programs, and most employers are required by law to get such insurance.

The program covers only those injuries or illnesses that can be proven to be job-related. For example, a worker hurt in a car wreck as he's leaving the company parking lot wouldn't be covered by worker's compensation, but a delivery driver who's hurt when his truck is hit by another truck would be covered. Someone who breaks a leg falling from a ladder at work would be covered, but someone who breaks an arm playing on the company softball team wouldn't be eligible.

In addition to paying an injured or ill worker's wages and medical costs, worker's compensation will pay for physical or vocation therapy for seriously injured workers. The program also might pay future-compensation benefits to a worker who loses a high-paying job because of his or her injury. A worker can also receive compensation for loss of future income if he or she can't continue in a higher-paying job because of the injury. The family of a worker who's killed on the job can receive worker's compensation benefits to pay for the employee's funeral. They also may receive worker's compensation money to offset the loss of the worker's income.

A worker who's injured on the job should first file a claim form, available from the employer. Next the worker can expect to undergo an independent medical examination by a physician chosen by the employer's insurance company. It's important for the employee to pay close attention to the doctor's diagnosis, to ask questions and to make notes of the examination afterward.

Any worker who suspects that his or her employer, or the employer's insurance company, may challenge a worker's compensation claim should consult with an attorney specializing in worker's compensation law. The lawyer can help the worker obtain all the benefits to which he or she is due under the law.

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