Motives to Consult an Attorney Regarding Workers’ Compensation
Contrary to popular belief, injuries sustained on the job are relatively common. According to the data provided by the Bureau of Labor Statistics of the United States, more than 5.0 million nonfatal injuries were sustained on the job in 2021.
This resulted in an alarmingly high incidence rate of 3.3 incidents for every 100 full-time workers. Although many of these mishaps took place in historically hazardous working conditions (such as oil rigs, construction sites, and coal mines), most of them were reported by employers to have taken place in reasonably safe surroundings.
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What Exactly Is Workers’ Compensation?
The good news is that most businesses are mandated to carry workers’ compensation, a form of insurance that protects employees against financial loss in the event they become ill or injured on the job.
The unfortunate fact is that there is no assurance that you will be compensated in full for the pain and suffering you endure, as well as the medical bills and missed payments that you incurred as a direct result of an accident that occurred at work. Keeping this in mind, the following is a list of the top five reasons you should speak with a workers comp lawyer. To learn more about what a workers compensation attorney can do for you, please check out this page here.
1. You Are No Longer Capable of Working
Accidents at work can sometimes be so severe that they leave victims permanently disabled and unable to return to the workforce.
Because the insurance companies that provide workers’ compensation coverage do not make it a practice to write extensive settlement checks unless they have to, you will require the services of an experienced workers’ compensation attorney to handle negotiations on your behalf.
This is because insurance companies only like to pay large settlements if they have to. It is essential to keep in mind that permanent disability settlements need to provide financial security for you and your family for the entirety of the time that you would have spent working.
To negotiate the most significant potential compensation, you need to have experienced legal representation on your side.
2. Your Company Did Not Provide Health Insurance
Some shady firms choose not to carry workers’ compensation insurance due to its potentially high cost. You have the right to file a claim for damages against your employer if you were wounded on the job and your supervisor told you that he does not have workers’ compensation insurance.
You have the right, as an employee, to be compensated by your employer for any out-of-pocket medical expenditures, missed pay owing to the accident, and compensation for the pain and suffering you endured as a result of the injury.
3. Your Employer Is Not Willing To Your Claim
Employers are frequently hesitant to approve a claim unless they are required to do so by law. This is because insurance premiums become more expensive with more submitted claims.
Suppose your employer disputes a valid claim for no other reason than the possibility that doing so would result in increased out-of-pocket expenses for him. In that case, an expert attorney can help ensure that your employer knows the potential legal repercussions of such an action.
4. There was an Element of Neglect Involved
Even if the harm resulted from an accident, gross carelessness is sufficient reason to file a case. You should seek the assistance of a lawyer to investigate your legal alternatives, regardless of whether the irresponsible person was your employer or another employee.
5. You Need Surgery
Again, insurance companies are typically hesitant to provide their blessing for surgical procedures unless they are regarded as very required. An expert attorney can persuade the insurance company that your operation is not only essential but also beneficial financially from their point of view.
You need to get in touch with a workers compensation attorney who specializes in workers’ compensation as soon as possible if any of the situations described above apply to you. You do not want to wait as that could be detrimental to what your options are for just compensation.