The U.S. Department of Labor reports that 2.9 million workers in private businesses were hurt or sustained job-related health problems in 2016. Another 5,000 died from job-related injuries or illness.
A work-related injury may be devastating to the individual and the worker’s family– medical expenses, loss of wages, and in some cases, lifelong disability may force a family into bankruptcy.
If you are prepared for the possibility of an on-the-job injury, you may spare yourself and your family a great deal of worry.
Most businesses that employ two or more workers are required to carry worker’s compensation insurance. Whenever you go to work for someone, you should know if you are covered by worker’s compensation.
Oakboro Workers Comp Legal Representation
You may not be covered if you own the business, if you are given a 1099 at the end of the year instead of a W-2, if you are employed in a private residence, if you work on a farm, are a railroad or maritime worker, or if you are a volunteer.
If you do fit into any of the above classifications and are hurt at work, there may be alternative options available to you for compensation.
Speak with a workers comp attorney before assuming that you have no recourse. Remember, worker’s compensation laws are different in every state, so it is very important to consult a local attorney.
Workers Compensation Law Firm
If you are covered by worker’s compensation insurance, you need a professional who can let you know exactly what to expect. You might be covered even if the accident or injury does not occur at the job site. If you are hurt in an auto accident while on a work-related task, for example, you might be covered.
You may be covered even if the work-related accident is your fault. Work-related illnesses and injuries often develop over time, occasionally leading to permanent disability.
Some of the benefits available include compensation for medical expenses, lost wages, job training if you are unable to go back to your former job, payment for permanent disability, and survivor benefits for the family members of an employee killed on duty. A worker’s compensation lawyer can help get the maximum benefits the law permits.
Worker’s compensation insurance companies, like all insurance companies, will be seeking ways to limit the number of benefits they must pay. Your worker’s compensation provider may try to limit or deny your claim entirely. Consult a worker’s compensation expert to determine exactly what you are entitled to collect after an injury or illness.
Some employers try 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
If your injury or illness was caused by your employer’s negligence, you may have other courses of action. An attorney with expertise in accident law and in worker’s compensation law can advise you when a lawsuit against an employer is feasible. The law firm of Campbell & Associates offers free consultations if you or a relative has been hurt at work. Call us today at 704-333-0885.