Workers’ Compensation – Your Rights Protected

Workers’ compensation is protection for all employees who are injured or disabled while on the job. It requires the employer to compensate the injured worker through medical treatment and loss of wages while he is unable to work or has restricted duties. In cases of death, the compensation would be passed on to the dependents of the deceased employee. The law requires all employers to provide these benefits when necessary. Most employers carry special insurance to handle the review, processing, and payment of these claims.

Once an injury claim is filed, the Workers’ Compensation insurance company will collect all the necessary information, including medical statements and reports. This information is reviewed and the claim will be approved or denied. If the claim is approved, benefits will be calculated and necessary treatments will be scheduled. The employer will be informed of any restrictions on the employee’s ability to work and must take all necessary steps to accommodate these restrictions. If the claim is denied, the injured employee will have to appeal the decision. An already slow process, this additional wait can result in frustrations, further loss of income, further physical harm, and a strained relationship with the employer.

Although Workers’ Compensation protection was established as a benefit for the American employee, some believe it reduces the damages available. This insurance allows the injured and disabled to receive financial and medical benefits without legal action. However, some argue that blocking claims in many cases results in increased claim denials, substandard compensation, and negative treatment by the employer. There are opportunities to use a lawyer. Many situations call for it.

In cases involving serious claims, death, and claims that have been denied, the best course of action is to hire an attorney. A qualified attorney uses their knowledge of the law and the process to support the injured worker and ensure fair compensation. A lawyer may also be needed after a claim has been approved. If an employer denies medical care, does not pay the correct damages, or retaliates against the employee, legal action will be necessary.

Workers’ compensation insurance is available to all employees and is often an efficient way to settle a fair settlement for a work-related injury or death. However, legal support is often necessary to fully protect the rights of the employee.