The United States Department of Labor reports that 2.9 million workers in private industries were injured or suffered work-related illnesses in 2016. In the same year, 5,190 people were killed at work.
A work-related injury can be devastating to the worker and the worker’s family – medical bills, loss of wages, and sometimes permanent disability may force a family into bankruptcy.
If you know your rights, however, you can protect yourself and your family from financial ruin.
Worker’s compensation insurance is required for most businesses which employ two or more employees, including full time, part-time, and seasonal workers.
Concord New North Carolina Workers Compensation Legal Professionals
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 worker
- A volunteer
- An employee in a private home, like a nanny or housekeeper for a family
If you do fit into any of the above categories and are injured on the job there may be other options available to you for compensation. Consult an experienced accident attorney for advice. 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 state to state.
Workers Comp Attorney In Concord NC
If you are an employee covered by Worker’s compensation, you should know your rights. You may be covered even if the accident or injury does not occur at the job site. If you are injured in an auto accident while on a work-related errand, for example, you may be covered.
You may be covered even if the work-related accident is your fault. You may be covered for illnesses or injuries that develop over time, such as tendonitis, carpal tunnel syndrome, and back injuries.
An experienced worker’s compensation lawyer 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
- Income while you are unable to work
- Job training if you are no longer able to work at your former job
- Compensation for permanent disability or injuries
- Survivor benefits for families of workers who are killed in an accident, or who die from illnesses related to work conditions.
Worker’s compensation carriers, like all insurance companies, will be looking for ways to limit the amount of benefits they must pay. They may try to force you to return to work before you are able; they may offer you a lump sum payment before you know the full extent of your permanent injuries; they may try to deny the claim altogether. A worker’s compensation lawyer can help you collect the benefits due to you after an accident or illness.
A lawyer will also be able to help you if your employer tries to discourage you from filing a worker’s compensation claim or if your employer punishes you or even fires you for filing a claim.
Workers Comp Lawyers Near Me
Worker’s compensation insurance is intended to substitute for suing your employer, but you may elect not to collect worker’s compensation and sue your employer directly if the injury or illness resulted from intentional or reckless actions by your employer. Do not make such an important decision, however, without consulting an attorney who is experienced in worker’s compensation and accident law. The lawyers at Campbell & Associates are well equipped to advise you on this important matter and are available for a free consultation. Call us at 704-333-0885 if you or a loved one has been injured at work.