Charles Spinelli Advocates for Worker’s Compensation Insurance3 min read
Every employee is entitled to enjoy certain rights and privileges, the workers’ compensation insurance is one such privilege of an employee. Unfortunately, many of these rights are infringed upon and exploited by employers. Charles Spinelli, the President of E3 HR, Inc., a professional employer organization, has taken it upon himself for the past two decades and more to help employees in this regard.
Workers’ compensation is the insurance given to employees who get injured while they are working. The injury succumbed must however, be a result of the work that the employee is expected to perform within the workplace. The medical expenses, lost wages, and other similar costs are all considered within this insurance. This is an insurance not just beneficial for the employee but also for the employer.
Having a workers’ compensation insurance, as informs Charles Spinelli is a compulsion over the entire United States of America. Along with bearing the medical and other related charges of being injured within the workplace, this insurance also takes care of illness expenses related to the job. For example, if one is diagnosed with asthma as result of being exposed to toxic gases or materials, the workers compensation insurance can pay for all the medical requirements of the employee. The best part about this is that the employer does not have to worry about the expenses, everytime something like this happens.
Every employer is thus expected to purchase this insurance for each of their employees as and when they are employed. However, the price of such insurance varies from industry to industry and trade to trade. The more hazardous and risky jobs have more expensive workers’ compensation insurance.
Charles Spinelli enumerates the benefits of having workers’ compensation insurance as follows:
- Coverage of medical benefits – The immediate and add-on medical expenses are all covered by this insurance, only if the employee has got an injury while on the job or as a result of the job.
- Replacement of wage – At times the illness or injury of an employee may not allow him/her to work regularly. In that case, to ensure that the worker is still getting the wages to run his/her family is not withheld, the workers’ compensation acts as a savior during the time. This insurance ensures that even though the employee may not be getting the entire salary, they are at least served with a decent portion of it.
- Rehabilitation advantages –Rehabilitation bills are also covered within this insurance to help in the recovery of the employee.
- Legal Protection Benefits for both – This serves as a great shield for all employers when an employee makes a false accusation of an injury or illness. This insurance protects the legal rights of the employers to demand proof of injury or illness caused by the work they do. While if an employee wants to file a lawsuit against their employer, this insurance will cover all the legal expenses as well.
Thus, in all, it can easily be said that workers’ compensation insurance is a doubly helpful instrument for both employees and employers.