Workers Compensation Overview
Worker’s Compensation is a Rhode Island state mandated insurance program, funded by employers, to provide compensation (money and medical benefits) to employees that are injured as the result of an accident or occupational illness/disease while performing their work duties.
The purpose of Workers’ Compensation is to provide protection for workers and their families/dependents against the hardships that occur when wage income is interrupted through workplace injury, disease or death.
Although Worker’s Compensation (monies and medical benefits) is provided to the injured worker, the employer has protected immunity against legal actions because Workers’ Compensation protection is a pre-determined limited liability.
Just because the insurance carrier/employer has paid either weekly indemnity benefits and/or medical expenses does not mean that they have legally accepted your claim.
The insurance carrier will typically use a Non-Predjudicial Agreement to avoid legal responsibility for your claim. If the insurance carrier has sent this document to you, you should contact an attorney immediately.
If you have any questions about Workers’ Compensation call Workers Compensation Attorney Tom Ford Law – consultations are free-of-charge.
Federal employees are protected by the Federal Workers’ Compensation program managed by the Office of Workers Compensation Program.