Many truck drivers are considered independent contractors and file a 1099 form for IRS tax purposes - meaning they are not considered employees of the company in which they perform work for. So what happens when they are injured on the job? Are they covered by the employer's workers' comp insurance? Surprisingly, if you find yourself in this situation, you may in fact be covered by the employer's workers' comp, even though you are not officially an employee of the company.
Trucking is tough and truck drivers face a number of occupational hazards. According to the Occupational Safety and Health Administration (OSHA), nearly half a million large truck accidents occur each year, and many of these crashes result in fatalities on the road. Though non-truck vehicle occupants constitute the majority of fatalities, about a quarter of those killed in large truck crashes are truckers themselves.
If you are injured on the job you need to notify your employer, who will, in turn, notify it's insurance company. When your employer's insurance company contacts you for a statement, your first instinct will be to cooperate and answer all of the claims adjuster's questions. This response is natural enough: insurance is there to make up for damages a worker has suffered, right?
When a serious workplace accident takes place, details pertaining to the incident may not be immediately available. However, investigations are often opened in order to determine exact causes of serious incidents, and companies could face fines and other penalties if safety violations are discovered. Nonetheless, if a worker is seriously injured on the job, that individual may hope that workers' compensation can help with resulting financial issues.
Ouch! Is your back acting up again? Well you are not alone.
There are many jobs in North Carolina and across the country that are referred to as "on demand" jobs. These positions include car service drivers, delivery drivers and domestic workers, just to name a few. In each of these occupations, individuals run the risk of being injured on the job, but sometimes issues exist as to whether these individuals could qualify for workers' compensation.
Working in the manufacturing industry can be very dangerous. Not only are manufacturing workers around hazardous machinery, the jobs often require heavy lifting and repetitive movements that can wreak havoc on a person's body.
Emergency crew workers are often the ones tending to individuals who have been hurt in accidents. However, these workers could be at risk of suffering injuries themselves while on the job. An individual could be injured on the job under a variety of circumstances, and as a result, workers' compensation benefits may be awarded.
When a workplace accident results in catastrophic injuries that leave a worker unable to care for him or herself at home, attendant care services may be available through workers' compensation.
Many people believe that workers' compensation only applies to workplace accidents. However, injuries leading to workers' compensation benefits don't have to be caused by an isolated event. In fact, many successful claims involve damage caused by wear and tear. These are known as repetitive stress injuries, or RSIs.