Millions of individuals were injured on the job last year, and millions more suffer work-related health problems.
Another 5,000 died from job-related injuries or illness.
Short-term or even permanent loss of income, as well as mounting medical expenses, could mean financial disaster for the worker’s family.
If you are prepared for the possibility of an on-the-job injury, you may save yourself and your family a great deal of anxiety.
Most companies that employ two or more workers are mandated to provide worker’s compensation insurance.
Catawba Workers Comp Legal Representation
Before you file a worker’s compensation claim, you should know if you are considered 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
- An employee in a private home, such as a nanny or maid for a household
Workers who fit into the above classifications may have other alternatives if they are hurt at work. A worker’s comp attorney will be able to advise you of your rights. Keep in mind that worker’s compensation laws are different in each state, so it is important to consult a local attorney.
Workers Compensation Law Firm In Catawba
If you are an employee covered by worker’s compensation, you should know your rights.Some accidents or injuries taking place outside the job site could be covered, if you were on duty when the accident took place.
Worker’s compensation insurance coverage might be provided to you even if you were partly responsible for a work-related accident.Work-related illnesses and injuries often develop over time, sometimes causing permanent impairment.
Worker’s compensation insurance covers more than just medical expenses; it can also cover lost earnings, compensation for permanent impairment, job training for workers not able to return to their previous jobs, and survivor benefits for family members of workers killed on the job, or who died from work-related illnesses.
Insurance providers are always searching for ways in which to reduce the amounts they must pay out in claims. Do not permit an insurance company to force you back to work before you are recovered sufficiently to do your job, and do not allow them to pressure you into accepting a settlement before you know the complete extent of your injury. If you have any doubts about your rights, talk to an experienced worker’s compensation lawyer.
Some employers attempt to punish or fire employees who file claims; if that happens to you, call a worker’s compensation attorney immediately.
Workers Compensation Lawyers Near Me
Typically, worker’s compensation insurance replaces the need to sue an employer for damages if one is hurt at work. Sometimes, however, suing one’s employer could still be an option. Do not make such an important decision, however, without consulting a lawyer who is knowledgeable both in worker’s compensation and in accident law. You may call the law firm of Campbell & Associates at 704-333-0885 for a no-cost consultation today.