Millions of people were hurt at work in 2017, and millions more suffer work-related health problems. In the same year, 5,190 people were killed at work.
A work-related injury can be devastating to the worker and his or her family– medical expenses, loss of earnings, and in some cases, lifelong disability may force a family into bankruptcy.
If you know your rights, you can protect yourself and your family from financial ruin.
Any business or individual who has two or more employees must carry worker’s compensation insurance.
Midland Workers Compensation Legal Representation
Before you file a worker’s compensation claim, you ought to know if you are regarded as an “employee” for purposes of coverage. You are not covered if you are:
- The owner of the business
- An independent contractor (you receive a Form 1099 at the end of the tax year)
- A farm worker
- A maritime employee
- A railroad worker
- A volunteer
- A staff member in a private residence, such as a nanny or housekeeper for a family
If you do fit into one of the above groups and are hurt on duty, there may still be options available to you for reimbursement. Contact an experienced workers comp lawyer for assistance. Remember, worker’s compensation laws are different in each state, so it is important to consult a local attorney.
Workers Comp Lawyer In Midland NC
If you are covered by worker’s compensation insurance, you need someone who can clarify 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 work-related accident, you might be covered. You may be covered for illnesses or injuries that develop over time, such as tendinitis, carpal tunnel syndrome, and back injuries.
Worker’s compensation insurance covers more than just medical expenses; it can also pay for lost income, compensation for permanent injuries, job training for workers not able to go back to their previous jobs, and death benefits for family members of workers killed on the job, or who die from work-related illnesses.
Worker’s compensation providers, like all insurance companies, will be seeking ways to minimize the amount of benefits they must pay. Do not allow an insurance company to pressure you to return 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. A worker’s compensation lawyer can help you receive the benefits due to you after an accident or illness.
Some employers attempt to penalize or fire workers who file claims; if that happens to you, call a worker’s compensation attorney immediately.
Workers Comp Attorney 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, suing an employer may still be a possibility. Do not make such an important decision, however, without consulting an attorney who is knowledgeable in worker’s compensation and accident law. You may call the law firm of Campbell & Associates at 704-333-0885 for a no-cost consultation today.