Workers Compensation and Working From Home: 3 Things You Need To Know

Workers Compensation Lawyer

Due to the global pandemic, more people than ever are working from home. There are certainly advantages to this setup, but there are some concerns that arise as well. Employees may wonder if they still qualify for workers’ compensation benefits when working from home. 

It is important that employers and workers both understand their state’s regulations regarding this matter. For many, workers’ compensation is still a benefit, but there are some stipulations attached to it. Consider these three facts about working from home and workers’ compensation.

  1. Most Teleworkers Are Eligible for Benefits

If you were eligible for workers’ compensation benefits before you started working from home, you are probably still eligible for them now. Every state has different laws regarding business size and workers’ compensation. Some states require every business to carry this type of insurance, while others only require it for businesses with a certain number of employees. 

Before knowing if you have this type of benefit at home, you need to know if your state requires it for the company you work for. Typically, contract and freelance work are not covered under workers’ compensation.

  1. Understanding Limitations

If the company you work for is required to carry workers’ compensation insurance and you have coverage as a telecommuter, you need to know the limitations. 

To have a legitimate claim, you must prove that you were injured during work hours while working on a job-related task. This can be much more difficult to prove than when you are in an office setting. It is a good idea to set regular work hours for yourself and to have a dedicated workspace in your home.

  1. How To Report a Claim

If you are injured while working from home and wish to pursue a workers’ compensation claim, you will need to file your report promptly. Typically, you will report the incident to your company’s human resources department or directly to your employer. He or she will then file the claim with the company’s insurer. 

You may be required to submit medical documentation of the injury that you sustained; there will also be other paperwork for you to complete. Working from home has its unique set of challenges. 

However, you still have a right to the benefits that were yours while working onsite. If you are considering filing a workers’ compensation claim while working from home, consider these tips to get started. 

It might even be beneficial to consult with a workers compensation lawyer from a law firm like Cohen & Cohen, P.C. to help you better understand your situation and what your next steps might be if you consider reporting a workers’ compensation claim.