What you Need to Know About Workers Compensation

The majority of the workforce lives paycheck to paycheck. In a recent CareerBuilder survey, 78% of those polled said they spend their entire paycheck before receiving their next pay. And over 71% also reported carrying significant amounts of debt.  With no savings, large amounts of debt and the high cost of living, most Americans would be in serious trouble if something were to happen to their income.

If you or a loved one are injured on the job or develop an illness related to your occupation, you could be left unable to work.  If this is the case, workers’ compensation may be able to help you recover some of your losses and receive reimbursement for medical expenses. The workers’ compensation system is designed to help workers who have been injured in the workplace. It allows payments to the injured party to be made by insurance companies rather than the employer.  This helps protect employers from large financial losses and ensures employees can receive fair compensation.

There are four major compensation programs managed by the US Department of Labor’s Office of Workers’ Compensation Programs (OWCP). These include: Medical Treatment, Wage Replacement, Occupational Rehabilitation and Other Benefits.  This can help cover hospital bills and medical expenses, as well as rehabilitation costs, and can provide short-term disability payments if you are unable to continue working.

What Does a Workers Compensation Attorney Do?

Unfortunately, large insurance companies sometimes abuse the system in an attempt to avoid paying large sums to the injured party. A workers Compensation Attorney can help determine your rights and get the compensation you deserve.  They can assist with:

  • Filling out paperwork. Missing, incorrect or unnecessary information can delay your claim and put your case in jeopardy.
  • Documenting your injuries. Your compensation attorney knows what information is required by the insurance company. They can also verify and explain your inability to return to work.
  • Medical Advice. They can help recommend the right medical assistance if you have not received proper care and treatment.
  • Legal Representation. A Workers Compensation Attorney can provide the best possible representation for your case in a hearing or trial.
  • Assist with communication. Your attorney gives you a point of contact, can answer questions and will communicate with the insurance agents on your behalf.

When to Hire a Workers Compensation Attorney

Not every case requires a compensation attorney.  If your case is simple, with only minor injuries and no dispute from your lawyer, an attorney may not be necessary. Any case that is more complex or involves serious injury should be handled by a legal professional. Visit this page to read more. If any of the following apply to your case, you should find representation before proceeding:

  • Your employer denies your claim or you feel you are being treated unfairly as a result of the claim
  • The settlement offered does not cover your expenses.
  • You have a pre-existing medical condition that could affect the outcome of the case.
  • Your injury or illness is so severe you are unable to return to work for an extended period of time.
  • A third party is involved in your case.

Even though the Workers’ Compensation Program is designed to support injured workers, insurance companies can have teams of skilled legal professionals working to prepare their defense. This often results in losses for the injured party. Hiring a compensation attorney can ensure you get the reimbursement you are deserved.