The U.S. Department of Labor reports that 2.9 million workers in private sector were hurt or sustained work-related health problems in 2016. Another 5,000 died from work-related injuries or disease.
A work-related injury can be devastating to the worker and the worker’s family– hospital expenses, loss of earnings, and sometimes lifelong impairment may force a family into bankruptcy.
Understanding your rights before you are hurt on the job can save your family from economic ruin.
Worker’s Compensation insurance is mandated for most companies which hire two or more workers, including full time, part time, and seasonal workers.
Granite Falls North Carolina Workers Compensation Lawyers
Before you file a worker’s compensation claim, you ought to know if you are deemed an “employee” for purposes of coverage. You are not covered if you are:
- The owner of a business
- An independent contractor (you receive a Form 1099 at the end of the tax year)
- A farm worker
- A maritime worker
- A railroad employee
- A volunteer
- A staff member in a personal residence, such as a nanny or caretaker for a family
If you do fit into any of the above groups and are hurt on the job, there may be other options available to you for compensation. Consult with a worker’s comp attorney before assuming that you have no remedy. If you are an employee eligible for worker’s compensation, it is important to consult a local attorney, since worker’s compensation laws vary from one state to another.
Legal Professionals For Workers Comp In Granite Falls
If you are covered by worker’s compensation insurance, you need a professional who can explain specifically what is covered. Even if you were not on your employer’s property when you were injured, you may be covered.
Even if you were at fault for a job-related accident, you might be covered. Some work-related injuries do not happen suddenly, but develop over a period of months or years.
An experienced worker’s compensation attorney can help you recover the maximum benefits due to you after a work-related injury or illness. Some of the benefits you may be eligible to receive are:
- Medical care for the injury or illness
- Cash while you are not able to work
- Job training if you are no longer able to return to your previous job
- Compensation for permanent disability or impairment
- Death benefit for families of workers who are killed in an accident, or who die from diseases associated with work conditions
Worker’s compensation carriers, like all insurance companies, will be trying to find ways to minimize the number of benefits they must pay. Do not allow an insurance company to pressure you back to work before you are recovered sufficiently to do your job, and do not permit them to pressure you into accepting a settlement before you understand the full extent of your injury. Talk to 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 assist you if your company tries to dissuade you from filing a worker’s compensation claim or if your employer reprimands you or even fires you for filing a claim.
Workers Compensation Attorneys Near Me
Typically, worker’s compensation insurance replaces the need to sue an employer for damages if one is injured at work. In some cases, however, suing one’s employer might still be a possibility. An attorney with expertise in accident law and in worker’s compensation law can counsel you when a lawsuit against an employer is feasible. The law firm of Campbell & Associates offers free consultations if you or a loved one has been hurt on the job. Call us today at 704-333-0885.