Regardless of your job, but especially if you work in high-risk environments like construction, your workers’ compensation insurance is a critical piece of your employee coverage. It’s important to understand how workers’ compensation insurance claims work if you ever suffer a workplace injury and needs to get your financial coverage in line.
Understanding Workers’ Compensation
Worker’s compensation is a financial support provided to you by your employer to cover your medical costs and a portion of your salary during your recovery time. The compensation is given in return for your promise not to sue your employer over your injury or illness. Whether you break your arm, are diagnosed with a respiratory disease, or experience psychological conditions like depression and anxiety, understanding the process of filing a workers’ compensation claim is critical.
Workers’ compensation claims can be denied if you don’t ensure your due diligence during the filing process, so be sure to complete all of these steps. First, report the injury as soon as possible. Many places only allow a 30-day window to consider the claim valid, so don’t waste any time. If there are any witnesses who can help support your claim, collect their names and contact information. Seek whatever medical treatment you may need immediately, and be sure to keep precise records of everything that occurs. It is vital that you make it as easy as possible for your accident to be verified, or you risk your claim being denied.
Considering a Lawyer
You may be able to navigate through your workers’ compensation case if your employer agrees that your injury or illness is valid and you didn’t need to miss much work to resolve your health issues. However, there are many situations in which a lawyer becomes necessary to ensure that you receive the compensation you deserve instead of having to accept a denied claim. In fact, most employees are shocked to learn just how slow and unresponsive insurance companies usually act when a workers’ compensation claim arises.
If your employer doesn’t provide your benefits in a timely manner, fails to cover all of your lost wages and medical bills, or begins to retaliate against you as a result of your compensation claim, it’s definitely time to call a lawyer that specializes in workers’ compensation. An attorney knows how to seek and obtain all the compensation that you need to attend to your medical needs and maintain your financial obligations.