Working from home is becoming the norm for many New York residents. This has muddied the water when it comes to handling workers’ compensation claims if your job requires you to work from home. Understanding how to file a workers’ compensation claim and how you’re at-home working environment plays into this claim is a necessity for understanding what your rights are as an employee.
What is worker’s compensation?
You might not want to think about getting injured at work, but it does happen. This is why workers’ compensation is required for many different businesses. This type of insurance coverage helps to cover things like lost wages and medical care for employees who are hurt on the job.
Traditionally, any worker who is injured on work premises is covered under their employer’s workers’ compensation policy. This type of insurance covered injuries and even diseases that employees sustain during their scope of work. The question remains: Does workers’ compensation insurance cover any injuries that you may have while working from home?
At-home insurance coverage
It’s important to realize that workers’ compensation insurance isn’t tied to a physical building. There are many different employees who actually don’t work in a building. Rather, they work on the go. Many service industries fall into this category where employees meet clients at their homes or on the roadway.
Once you take this into account, it becomes fairly clear that workers’ compensation should cover you regardless of where you’re at. As long as you’re working, it doesn’t matter if you’re at home or somewhere else to get coverage for your injuries.
If you recently started working from home, you likely have a lot of questions about your rights and benefits as an employee. When it comes to workers’ compensation insurance, it’s important to realize that you are still covered underneath your employer’s plan as long as you’re working. If you have any specific questions regarding workers’ compensation insurance, you should speak to a knowledgeable attorney about the subject.
