What Is Workers’ Comp?
Even though the concept of “workers’ comp” is well known, many people don’t fully understand it. Workers’ comp is a type of insurance that provides medical and wage benefits to employees who are injured or fall ill as a direct result of their job.
This benefit is mandatory in most states for businesses with employees and includes the following:
- The employee gives up the right to sue the company for negligence.
- Covers medical treatment, lost wages, and rehabilitation.
- May assist with training in a new position if return to the original job isn’t possible.
Despite its availability, many part-time workers fear they aren’t eligible for these benefits. But that’s not the case.
Who Is Eligible for Workers’ Comp?
Can a part-time employee get workers’ compensation? The answer is: Yes!
Workers’ comp is not only for full-time employees. As long as an individual is an official employee on payroll—whether part-time or full-time—they are eligible. However, it typically does not apply to:
- Freelancers
- Independent contractors
- Volunteers
Applying for Workers’ Comp
To qualify for workers’ comp, a few conditions must be met:
The injury must be obtained at the workplace and directly tied to the work being done. Examples include:
- Falls
- Head trauma
- Burns
- Cuts, sprains, or breaks
- Hearing or vision loss
- Spinal injuries
Illnesses must also be directly related to workplace conditions, such as:
- Lung or skin conditions
- Mental health concerns
- Infectious diseases
Be sure to report the injury or illness to your employer promptly. Each state has different rules, and delays in reporting can negatively affect your claim.
Whether you’re part-time or full-time, workers’ comp is an essential safeguard. Speak with your employer about your eligibility and rights to ensure you’re protected in the event of a workplace incident.
