In Delaware County, there are 52,708 employed citizens working to earn a living in farming, construction, healthcare, manufacturing, transportation, and various other fields. However, not all the places to work in Delaware County are a safe work environment. Some expose community members to unwanted dangers.
The Occupational Safety and Health Administration (OSHA) is designed to encourage reporting of unsafe conditions without the worries of being fired while making sure every work environment is safe. For clarification, if injured on the job, filing a Muncie workers’ compensation claim is different and should be done separately from filing a claim with OSHA. The two are different agencies and offer different solutions.
It is the business owner’s responsibility to provide a safe work environment for their employees. The agency responsible for overseeing safe Muncie workplaces is OSHA. One avenue for OSHA to promote changes in workplace procedures and policies is through Safe and Sound Week, August 13-19. This is a week where, nationwide, employers and employees have the opportunity to understand the value of safety programs and how to find and fix workplace hazards. Locally, the reason to participate is to improve sustainability for Muncie businesses to thrive in for the coming years.
Are All Muncie Workplaces Required to Carry Workers’ Compensation Insurance?
Unfortunately, no. There are some types of Muncie workplaces that do not require the owner to purchase workers’ compensation. Most independent contractors or railroad employees are not covered by compensation insurance, and what are considered to be domestic workers (nannies, housecleaners, caretakers) are usually not, either.
Independent contractors are defined as people who set their own hours, work out of their home, make all the business decisions, and do not receive employment benefits. There are also a few railroad companies that have offices throughout Muncie and employ several railroad positions.
Working on the railroad is not always the safest job. In 2016, a report by the Federal Railroad Administration identified the railroad crossing by the Muncie Mall, at McGalliard Road and Dr. Martin Luther King Jr. Blvd, as the nation’s seventh dangerous crossing. As a large transportation-supported community, several loved ones of families work on the railroad and can suffer greatly without workers’ compensation.
Types of Benefits
Wage replacement and payment for medical treatment is offered for compensation in Indiana. Payment of your wage replacement varies in amount depending on duration and severity of your disability. Filing a Muncie workers’ compensation claim and going through the procedures may take a while, and your job may not be protected. That is between you and your employer since Indiana is an at-will employment state. However, if your disability prevents you from doing your job, your employer may not fire you.
Hire a Muncie Workers’ Compensation Attorney
Working gives purpose and income to provide for your family. No matter if you are an independent contractor, railroad worker, nanny, or work in the private sector, if you injured on the job, you may be entitled to compensation. Each circumstance is different and may have a variety of best approaches; therefore, reach out to the attorneys at Hensley Legal Group for your free consultation to see what your best options are. Call today or contact us online.