Do not let an employer tell you that you cannot have workers' compensation for an injury that you suffered while on the job. According the New Hampshire Department of Labor, employers have to have this insurance in place. You should be able to get financial compensation that can help you in many different ways after you are hurt.
For example, your medical bills will be covered by workers' compensation. If you have seen news stories about how expensive medical care can be, leaving some people in debt for the rest of their lives after surgeries and car accidents, you may have been nervous that a work-related injury would put you in the same place. You do not have to be concerned, as your employer worker's compensation should cover you.
Many injuries can keep you out of work, though, which can be a huge problem if you can't get your hourly wages. Even if your medical costs are covered, how are you supposed to pay for things like the mortgage, your utilities or the bills just for putting food on the table?
If your injury is such that you have to be out of work for over three days, workers' compensation will help to cover that, as well. It does not pay all of your wages, but you should get 60 percent of what you would have made.
When you are hurt, it really pays to know just who needs to pay for all of the costs associated with your injury. You should also be sure that you know what steps to take to get that compensation.
Source: New Hampshire Department of Labor, "Workers' Compensation Fact Sheet" Dec. 14, 2014