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How employees can ensure they will be covered by workers compensation

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Nearly all businesses across the United States have workers compensation insurance, so employees who are hurt on the job won't be responsible for medical costs, according to Monster.com.

However, employees should know their rights and put in the effort receive the financial support they deserve for certain injuries.

“Just because an injury happens at your job doesn’t mean you’re automatically entitled to benefits,” Rebecca Shafer, an insurance professional, told the website.

In order to make sure employees receive proper workers compensation, they should be sure to report every injury or illness, visit the appropriate medical provider, make sure medical staff knows the injury occurred while working, have detailed medical records about the injury and remember employers that try to cheat out of workers compensation claims will often get caught, said the website. 

While workers compensation is important to many businesses and their employees, the insurance policy may be changing slightly because of the economy, according to a recent study conducted by Conning Research & Consulting. The study looked at how companies, healthcare providers and government agencies are working together to change workers compensation due to rising costs and the impact of the recession.

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