Workers’ compensation insurance exists solely for the purpose of protecting businesses and their employees from the backlash that comes with workplace injuries. In other words, if you get hurt on the job, your employer’s insurance should help you cover your medical bills, lost wages, and other expenses caused by the accident.
Do I Qualify for Workers’ Compensation?
When it comes down to it, qualifying for workers’ compensation is a simple matter of being able to answer “yes” to these two important questions:
1. Are you an employee at the place where you got hurt?
This may sound like an obvious question to anyone hoping to claim workers’ compensation, but there are two important things to note about this basic rule.
First, you cannot claim workers’ compensation in Oklahoma if you are classified as an independent contractor. Oddly enough, it’s possible for you to be classified that way without even knowing it — in which case you should really consider working with a knowledgeable workers’ comp lawyer. After all, an attorney who knows the ins and outs of Oklahoma employment law could mean the difference between recovering compensation and trying to pay those medical bills out of pocket.
Second, when we say that you need to be an employee at the place where you got hurt, what we mean to say is that you need to be either at your place of business or performing official work duties. So if, for example, you slip, fall, and break your arm on a wet floor in the office, that would qualify as a workplace injury. Likewise, if you get hurt on a job site that your company is in charge of, you probably still qualify.