Workplace injuries can be challenging for employers and employees. For workers, particularly, it becomes a journey riddled with questions and uncertainties regarding compensation.
Workers’ compensation is an insurance program mandated by the state to compensate employees who suffer job-related injuries and illnesses. The program covers various occupational injuries and diseases, regardless of industry or job role.
This article highlights the most pressing questions about workers’ comp claims, offering clarity for those in this unfortunate situation.
1. Should I Hire a Work Injury Lawyer for Workers’ Compensation Claims?
While hiring a work injury lawyer for workers’ comp claims is not mandatory, having one can significantly increase your chances of a favorable outcome. An experienced attorney can help you:
- Understand your legal rights
- Guide you through the various stages of the claim process
- Ensure the best possible outcome for your case
Thus, a work injury lawyer can be extremely valuable to your case, especially if your claim was denied. They can help you determine if you have grounds for an appeal
2. What Does a Typical Workers’ Comp Investigation Entail
A workers’ comp investigation is a crucial part of the claim process. It is done to confirm a claim’s legitimacy and identify any long-term actions that can prevent similar accidents from occurring.
The investigation involves a series of questions that delve into the details of the accident, the location of the accident, the presence of any witnesses, adherence to company procedures, and the nature and scope of the injury.
3. How do I Report a Workplace Injury?
Employees who suffer an injury at work must report it to their employer immediately. The report should detail the injury’s date, time, and circumstances. States have different requirements for when injury reporting, but doing it as soon as possible is always recommended.
Upon receipt of the injury report, it’s the employer’s duty to notify their workers’ comp carrier. Suppose the employer fails to do this or attempts to ignore the claim. In that case, the employee may report the injury directly to the carrier or seek assistance from a work injury lawyer.
4. Who Pays Workers’ Comp Benefits?
Employers usually secure insurance to pay for workers’ compensation claims. As such, the financial responsibility falls on the insurance carrier, not the employer. Some employers, however, choose to self-insure, setting aside funds regularly to cover potential claims.
5. What Benefits Are Available Under Workers’ Compensation?
Workers comp insurance covers ongoing and expected future medical expenses if an employee is injured or falls sick due to a work-related incident.
In addition to the medical expenses, these benefits cover a percentage of the injured employee’s pre-injury wage if they are medically authorized to take time off work. The coverage also includes disability and death benefits in case of partial or permanent disability or death.
Winding It Up
Navigating the complex world of workers’ compensation can be challenging. However, being equipped with the above information can make the process smoother.
Don’t hesitate to contact a work injury lawyer for clarification if you have more concerns regarding the workers’ comp process. They can provide valuable information and guidance to help you.