Many jobs carry inherent risks and threats to physical health and safety. This includes jobs such as mining, construction and drilling, but also jobs in which employees may be exposed to toxic chemicals, repetitive heavy lifting and large machinery with the capacity to cause bodily harm.
In reality, most jobs pose some potential for harm to their employees. Because of this, some form of workers’ compensation insurance is compulsory for nearly all employers within the United States. In South Dakota, there is no law requiring an employer to carry such insurance, but not carrying it does expose employers to the potential for civil litigation if an employee becomes ill, injured or disabled due to their employment.
Time is of the essence when it comes to SD workers’ comp
Workers’ compensation insurance provides medical and disability benefits for injuries and illnesses that are work-related. It is important that you notify your employer in writing right away upon your injury or illness. South Dakota law states that you may be denied coverage if this notification does not occur within three business days of the onset.
It can be difficult to get your claim approved, and there are a lot of rules and caveats around eligibility requirements. Whether your employer files the claim on your behalf or you file directly with your employer’s insurance company, the insurance company will investigate your claim thoroughly to determine whether or not your injury is work-related. They are financially motivated to avoid responsibility, but it is your right as an employee to receive compensation for all necessary medical treatments, services and devices as well as lost wages due to your work-related injury.