THE Occupational Risk Insurance Company (ART) It is compulsory insurance that guarantees workers coverage in the event of accidents at work and occupational diseases. It covers all of those events (“sudden or violent”) considered accidents at work or injuries that occur in the workplace.
The coverage also extends to accidents ongoing. What does it mean? Those injuries or accidents which can occur during the journey between the physical place of work (the factory, the office, the company) and the worker’s home, both when the employee goes to work and when he returns.
If a worker contracts an illness directly related to his work, the ART must cover medical expenses; If necessary, you could also decide to compensate the worker.
Professional diseases
They are those caused by the activity carried out by the worker. This includes, among others, exposure to harmful agents in the workplace, respiratory diseases due to inhalation of toxic substances, dermatological diseases due to contact with dangerous chemicals.
Coverage for these disorders is included in LRT 24.557.
This law warns that the workplace risk insurer must take care of muscle injuries, fractures or chronic injuries or diseases that occur as a direct consequence of work activity or due to a work accident.
Construction work often causes injuries that must be covered by ART.It is important to note that specific coverage may vary depending on the type of job and nature of the employment.
If you have questions or need more detailed information about the types of diseases covered by ART in Argentina, we recommend that you contact the insurance company that covers you at work directly or consult a lawyer who specializes in employment matters.
What is an occupational disease
Article 4 of law 1562 defines how occupational disease that contracted following exposure to risk factors inherent to the work activity or the environment in which the worker was forced to work.
How compensation is collected for an accident at work
The process of collecting workers’ compensation in Argentina generally involves meeting certain specific steps and requirements.
- Notification to ART
First of all, you have to notify the employer and the ART of the accident as soon as possiblepreferably within 48 hours of the accident. You must complete a work accident reporting form.
- Medical evaluation and treatment
You will be evaluated by an ART-designated doctor to determine the nature and severity of your injuries. Your doctor will also provide you with an appropriate treatment plan.
- Refunding request
Once your injury has been assessed and confirmed, you will need to submit a compensation claim to ART. This will include medical documentation to support your claim, such as medical reports, prescriptions, disability certificates, among others.
- ART evaluation
The ART will evaluate your compensation claim and determine whether you are entitled to compensation. This may include an assessment of your work disability, percentage of disability, and other factors related to your ability to work.
- Negotiation or legal request
Depending on your ART rating, you may need to negotiate or file a lawsuit to get a compensation right and appropriate. At this point, you may want to consider hiring a workers’ compensation attorney to represent you and help you secure your rights.
Source: Clarin
