Millions of people were injured on the job last year, and millions more experience work-related health problems. More than 5,000 people died in accidents on the job or from work-related diseases.
Short-term or even permanent loss of income, as well as mounting medical bills, could mean economic 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 lot of anxiety.
Any business or individual who has two or more employees must provide worker’s compensation insurance.
Workman’s Compensation Attorney In Lowell
Before you file a worker’s compensation claim, you ought to know if you are considered an “employee” for purposes of coverage. You are not covered if you are:
- The proprietor of the 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
- A worker in a personal home, like a babysitter or housekeeper for a family
If you do fit into one of the above groups and are hurt on duty, there may be alternative options available to you for damages. An accident attorney will be able to advise you of your rights. If you are a worker eligible for worker’s compensation, it is important to consult a local attorney, since worker’s compensation laws vary from one state to another.
Lowell Job Injury Compensation Legal Specialists
If you are an employee covered by worker’s compensation, you should know your rights. Even if you were not on your employer’s property when you were injured, you could be covered.
You could be covered despite the fact that the work-related accident is your fault. Work-related health problems and injuries often develop progressively, occasionally leading to permanent impairment.
Worker’s compensation insurance covers more than just medical bills; it can also pay for lost earnings, compensation for permanent injuries, job training for workers unable to return to their previous jobs, and survivor benefits for family members of workers killed on the job, or who die from work-related illnesses.
Insurance companies are always looking for ways in which to reduce the amounts they must disburse in claims. Do not allow an insurance company to force you back to work before you are recovered sufficiently to do your job, and do not permit them to pressure you into taking a settlement before you understand the complete extent of your injury. If you have any doubts about your rights, talk to an experienced workers compensation law firm.
An attorney will also be able to assist you if your company tries to discourage you from filing a worker’s compensation claim or if your boss punishes you or even fires you for filing a claim.
Workers Compensation Legal Representation Near Me
Generally, worker’s compensation insurance replaces the need to sue an employer for damages if one is injured on the job. Sometimes, suing an employer could still be a possibility. An attorney experienced in accident law and in worker’s compensation law can advise you when a lawsuit against an employer is feasible. The attorneys at Campbell & Associates are well prepared to counsel you on this important matter, and are available for a no-cost consultation. Call us at 704-333-0885 if you or a relative has been injured on the job.