Workers’ compensation is a type of insurance your employer uses to cover the costs of injuries you receive at work. So, why do you need an attorney to get workers’ comp?
Here are a few ways an attorney helps workers who are injured.
What some workers may not realize is that your employer’s insurance company wants to keep the employer’s payments without having to cover the cost of employee injuries. That means more income for them. To accomplish this goal, they’ll use insurance law to try to avoid helping injured workers.
For example, employees who do not notify their employer of an injury within 45 days of its occurrence are not eligible for maximum benefits. Consulting with a lawyer after you are injured can help ensure that you don’t miss any deadlines such as these.
Some injuries seem clear as day. How can you be denied workers’ comp if you explain that your hand was crushed while working on the production line? Unfortunately, there are several ways.
For one, you can choose to go to any doctor to prove your injury and the cost of treating it. However, you’re only allowed to see two doctors. If you don’t get the correct diagnosis, you may not get the treatment you’re entitled to.
Only relying on one type of evidence could also lead to a denied claim. A lawyer will gather testimonials from co-workers, help you secure the medical records you need, request photo evidence, acquire any on-site footage and more.
Getting what you’re entitled to
The total cost of an injury is usually more than just the treatment used to heal it. If your injury requires you to miss out on wages at work or pay extra in transportation costs for doctor’s visits, these expenses should be factored into your benefits.
A lawyer can help ensure that you’re getting the correct cost in benefits. Additionally, an attorney can advise you on whether or not to pursue a claim in the first place if you are unsure whether the injury you received “counts” as an at-work injury.