Do you know what to do if you get hurt at work? Getting hurt at work is not the end of the world, or even the end of your employment. Anyone hurt on the job is protected by Workers’ compensation. Workers’ compensation is a form of insurance that provides financial replacement and medical benefits to employees injured during the course of employment. Workers’ compensation premiums are determined based on the amount of pay roll per job function within the business. If you are hurt on the job, hiring a workers compensation attorney will ensure you get the maximum amount you are owed by law and not cheated by unreliable companies.
Workers compensation attorneys are lawyers that specialize in the law regarding employee health and financial insurance. They work to make sure any injured employee is properly covered by the law and gets their due compensation. Many businesses will try to minimize or completely avoid paying workers’ compensation for a variety of reasons. Some do it to save money. Others may have had previous employees file a false claim or abuse the system. It has been found that employees who are away from work for over a year because of occupational illness or injury have only a 25% chance of returning to work. Stats like these cause businesses today can sometimes be cautious when employees file an injury claim. But if you are truly hurt and cannot work, hiring a workers compensation attorney means a company will not be able to get away without paying what are you owed.
There are many factors that go into determining how much a worker is owed. Insurance carriers write workers’ compensation insurance through several different underwriting companies. Each underwriting company could potentially come up with a different premium. There are also caps on compensation payments. Sometimes the cap value of a disability payment that may not actually reflect the total cost of providing for a disabled worker. A serious injury may require more medical costs than what an insurance company is willing to provide. An attorney on your side will fight to make sure you are receiving not only what you are owed, but also what you really need.
If you are hurt on the job, hiring a workers compensation attorney may be in your best interest. Getting hurt on the job is not your fault and you should not suffer because of it. Get the law on your side and get what you are owed. More information like this.