Workers’ compensation can help offset injury costs related to medical care and lost wages. The regulations regarding these programs are enforced at the state level, so the law often differs between states. The law in Texas allows employers to opt out of workers’ compensation, which can make filing a claim against them extremely difficult in the event of an accident.

Until the early 1900s, employees hurt on the job were usually unable to secure any form of compensation from their employers and often had to continue their jobs while injured. Those unable to do so were often left on their own. The creation of workers’ compensation programs to help injury victims was helpful for laborers everywhere. However, the process for attaining benefits can still be a trying experience that often meets resistance from an employer.

There are several common accidents that make up the majority of insurance claims, and a handful of industries are responsible for most of these harmful accidents. The construction, manufacturing, oil and gas, and transport industries sustain the most serious and fatal injuries every year. In 2012, nearly 20 percent of all fatal accidents on the job occurred in the construction industry. The constant physicality involved in this type of work puts major wear and tear on the body, often to the point that a simple slip and fall can result in a traumatic event.

The most common claim every year is related to overexertion. Overexertion may be caused by pushing, pulling, carrying, throwing, or lifting more than a person is safely capable of. There are often few warning signs that a person is exerting too much energy until the accident occurs. This type of scenario, along with the huge demands put on today’s laborers results in numerous overexertion accidents each year. Another frequent claim involves highway accidents. Transport industries may send hundreds of drivers on assignment at once. A combination of grueling hours and hazardous conditions cause many severe, even fatal, accidents.

Slip and fall accidents are very common, along with accidents caused by other objects. Both of these are particularly common at construction sites and in heavy-duty manufacturing facilities. A slip and fall accident is the number one cause of death in the construction industry, and it is among the most frequent fatal occurrences in several other industries. Even if the victim does not fall, a slip can cause major complications. Reacting suddenly to a slip can potentially tear a muscle in the knee or back, causing painful and debilitating injuries.

If a person is hurt on the job, he or she may be eligible for workers’ compensation for their injury in most states. The coverage from such programs can help with medical costs and replace lost wages. However, if an employer has opted out of the program, as some do in Texas, the victim will need to file a lawsuit to receive any sort of benefits. Anyone who has been hurt on the job should consider speaking to a personal injury attorney with experience in this area. These cases often drag on with the complexities involved, but with an experienced lawyer, a victim won’t have to suffer through unnecessary delays.