Knowing that your employer has workers’ compensation insurance does provide comfort to you and other employees; however, when the time comes to utilize this insurance, it may not play out like you assumed. Being injured at work could be met with your employer denying your claim or your lost wages and medical expenses not being covered. Thus, it is important to take the time to understand your rights and options when it comes to securing workers’ compensation.
Workplace accident
A workplace accident can look vastly different from one industry to the next; however, the types of injuries suffered are relatively the same. The serious and debilitating injuries that workers’ comp could cover include back and neck injuries, herniated disks, the aggravation of preexisting conditions, brain injuries, amputations, repetitive stress injuries, occupational hearing loss and occupational diseases.
A workplace accident can be a very overwhelming and painful experience. At McDonald & McGregor, LLC, our law firm understands the challenges a workplace injury can bring to your personal and professional life. The inability to work and the need for ongoing medical treatment can cause significant financial distress to an injured worker. Thus, our attorneys ensure our clients understand their rights to the fullest so they can recover the max amount of workers’ comp for their situation.
Workers’ compensation
Workers’ compensation is used to address losses such as lost wages and medical bills. Even when a claim is approved, an injured worker could experience issues when it comes to maximizing the compensation they are owed. Insurance companies frequently work to minimize claims to reduce the money the payout. Additionally, an employer may have a policy that limits the compensation recoverable by an injured employee. Thus, it is imperative that you understand your rights and legal steps you could take to secure the maximum amount of workers’ compensation owed to you.
In the event of a denial, it is important to consider your legal options beyond filing an appeal. An injured worker may have an underlying personal injury claim, meaning they have the option to sue their employer and any other liable party for their injuries and damages. As such, it is important that you consider all your options during your pursuit for workers’ comp. A legal professional can help guide you through the process, answering any questions or concerns that come up.