According to the U.S. Department of Labor, nearly 3 million men and women were injured or became ill in work-related incidents in 2016. In the same year, 5,190 people were killed on the job.
A job-related injury may be devastating to the worker and his family– medical expenses, loss of earnings, and sometimes lifelong impairment may force a family into bankruptcy.
If you are prepared for the possibility of an on-the-job injury, you may save yourself and your family a great deal of stress.
Worker’s Compensation insurance is mandated for most business enterprises which hire two or more employees, including full time, part time, and temporary workers. Whenever you go to work for someone, you should know if you are covered by worker’s compensation.
Rutherford College NC Workers Comp Legal Representation
You may not be covered if you own the business, if you receive a 1099 at the end of the year instead of a W-2, if you work in a private residence, if you work on a farm, are a railroad or maritime worker, or if you are a volunteer.
Individuals who fit into the above categories may have other options if they are hurt at work.
An accident lawyer will be able to advise you of your rights. If you are an employee eligible for worker’s compensation, it is crucial to consult a local lawyer, since worker’s compensation laws can vary from one state to another.
Workers Comp Law Firm
You may not be aware that your accident is covered by worker’s compensation. You may be covered even though the accident or injury does not occur at the job site. If you are injured in a car accident while on a work-related assignment, for example, you might be covered.
Worker’s compensation insurance coverage could be provided to you even if you were partly responsible for a work-related accident. Work-related health problems and injuries often develop gradually, occasionally causing permanent impairment.
Worker’s compensation insurance covers more than just medical bills; it can also pay for lost earnings, compensation for permanent impairment, job training for workers unable to return to their previous jobs, and death benefits for family members of workers killed on the job, or who died from work-related illnesses.
All insurance companies are in the business to make money, and one of the ways they can do that is to limit the amounts they pay out in benefits. They may try to pressure you to return to work before you are ready; they may offer you a lump sum payment before you know the full extent of your permanent injuries; they may try to reject the claim completely. If you have any questions about your rights, consult with a professional worker’s compensation attorney.
You may also find that your boss tries to penalize or even fire you if you file a claim; a worker’s compensation lawyer can help if you end up in that predicament.
Workers Compensation Lawyer Near Me
Typically, worker’s compensation insurance replaces the need to sue an employer for damages if one is injured on the job. In some cases, however, suing one’s employer could still be an option. An attorney experienced in accident law and in worker’s compensation law can advise you when a lawsuit against an employer is possible. You may call the law firm of Campbell & Associates at 704-333-0885 for a no-cost consultation today.