Occupational injuries are much more common than you might think. According to the U.S. Bureau of Labor Statistics, more than 3.0 million non-fatal workplace injuries were reported in 2013, resulting in an alarmingly high case rate of 3.3 cases per 100 full-time workers. Although many of these accidents have traditionally occurred in risky workplace environments (for example, construction sites, coal mines and oil rigs), most have been reported by employers in relatively safe environments.
What is Worker Complex?
The good news is that most companies are required to carry workers’ compensation, a type of insurance that covers work-related illness and injury. The bad news is that there is no guarantee that you will be fully reimbursed for your medical expenses, lost wages, and pain and suffering as a result of your work injury. With that in mind, here are five reasons why you should decide to see a workers compensation attorney.
1. You Can’t Work Anymore
Serious work accidents can cause an injury that will prevent you from working again. Because insurance companies that provide workers’ compensation insurance are not in the habit of issuing large settlement checks unless they are required, you will need the services of an experienced workers’ compensation attorney to handle the negotiations on your behalf. It’s important to remember that permanent disability placements must be available to you and your family for the remainder of your years of employment. Expert legal representation is required to provide the greatest possible resolution.
2. Your Employer Didn’t Have Insurance
Some unscrupulous employers don’t carry it, as the labor account can be expensive. If you’ve been injured at work and your boss tells you he doesn’t have insurance, you can sue him for compensation. As an employee, you are entitled to be compensated by your boss for out-of-pocket medical expenses, wages lost due to injury, as well as for your pain and suffering.
3. Your Employer Denies Your Request
Because insurance premiums become more expensive the more claims you submit, employers are often reluctant to approve a claim unless it’s necessary. An experienced attorney can make sure your boss understands the legal ramifications of denying a legitimate claim because it could cost him more money.
4. Negligence Was Related
Even if an accident causes injury, gross negligence is grounds for action. Whether the negligent party is your boss or another employee, you should explore your legal options with the help of a lawyer.
5. You need surgery
Once again, insurance companies are often reluctant to undergo surgeries unless they have to approve them. An experienced attorney can convince the insurer that your surgery is not only necessary but also cost-effective.
If any of the above are true, you should contact a workers compensation attorney as soon as possible.