Millions of individuals were injured at work last year, and millions more experience work-related health problems. Another 5,000 died from job-related injuries or sickness.
Short-term or even permanent loss of wages, along with mounting medical bills, can mean economic disaster for the worker’s family.
Understanding your rights before you are hurt at work can save your family from financial disaster.
Workers Compensation insurance is required for most business enterprises which employ two or more workers, including full time, part time, and temporary workers.
Workers Compensation Attorney In Claremont
Before you file a workers compensation claim, you need to know if you are considered an “employee” for purposes of coverage. You are not covered if you are:
- The proprietor of a business
- An independent contractor (you receive a Form 1099 at the end of the tax year).\
- A farm laborer
- A maritime employee
- A railroad employee
- A volunteer
- An employee in a personal home, like a nanny or housekeeper for a family
If you do fit into one of the above categories and are injured at work, there may be other alternatives available to you for reimbursement.
Claremont Job Injury Compensation Legal Specialists
A workers compensation attorney will be able to advise you of your rights. If you are an employee eligible for workers compensation, it is important to consult a local lawyer, since worker’s compensation laws can vary from state to state.
You may not know that your accident is covered by worker’s compensation. Some accidents or injuries taking place outside the job site could be covered, if you were on duty when the accident happened.
Workers compensation insurance coverage could be provided to you even if you were partly responsible for a work-related accident. Work-related illnesses and injuries often develop gradually, occasionally leading to permanent impairment.
An expert workers compensation lawyer can help you recover the maximum benefits due to you following a work-related injury or illness. Some of the benefits you may be entitled to collect are:
- Medical care for the injury or illness
- Income while you are not capable to work
- Job training if you are no longer capable to work at your former job
- Compensation for permanent disability or impairment
- Death benefit for families of workers who are killed in an accident, or who die from diseases related to work conditions
All insurance companies are in the business to earn money, and one of the ways they can do that is to minimize the amounts they pay out in benefits. Your worker’s compensation carrier may try to limit or reject your claim entirely. Speak with a worker’s compensation expert to determine exactly what you are entitled to collect after an injury or illness.
A lawyer will also be able to help you if your company attempts to dissuade you from filing a worker’s compensation claim or if your employer punishes you or even fires you for filing a claim.
Workers Compensation Legal Representation Near Me
Workers compensation insurance is intended to replace suing your employer, but you may choose not to collect workers compensation and sue your employer directly if the injury or illness was caused by intentional or careless actions by your employer. Do not make such an important decision, however, without consulting an attorney who is experienced both in worker’s compensation and in accident law. The law firm of Campbell & Associates offers free consultations if you or a loved one has been hurt at work. Call us today at 704-333-0885.