An employer that has more than three employees has certain obligations to its employees. Maintaining a workers’ compensation policy is one of those obligations. Workers’ compensation is an insurance policy that protects the wages of injured employees. The policy is supposed to reimburse injured employees with part of their work wages. Workers’ compensation pays for medical diagnosis and treatment, as well. The benefit continues until the worker is able to return to his or her job. Fault has no bearing on a worker’s compensation claim. Therefore, a workers’ compensation claim is payable whether a person is partially responsible for the accident or not.
How It Works
An employee must notify his or her employer of an injury the moment that such an injury occurs. Next, the employee will obtain the necessary medical care. The person or the employer will then have to file a workers’ compensation claim. The insurance company will review the incident and the information that the medical doctor submits. If the insurance company approves the claim, then the employee’s benefits will start quickly. However, some insurance companies deny claims. Some employers report injuries at a slow pace. Either situation can cause an employee to not receive the monies that he or she deserves. A workers’ compensation lawyer or a personal injury lawyer may be able to help.
Workers’ Compensation vs. Personal Injury
Personal injury is a situation in which an employee receives an injury because of the employer’s neglectful act. An example of a personal injury work situation is an employee who cuts his finger on a slicer because the employer failed to perform maintenance tasks. An employee cannot file a personal injury case and a workers’ compensation case. He or she must decide which course of action is best. Personal injury cases can pay a significantly higher settlement than workers’ compensation cases can pay. However, the attorney must prove that the employer is at fault for the employee’s injury. A workers’ compensation lawyer can assist with a person who decides to go after that benefit.
A reliable attorney can examine the case during a free consultation. Contingency representation is free coverage until the victim receives his or her settlement. The lawyer will deduct a portion of the proceeds only if the victims wins the case. Contact attorney Bryan Caulfield today to get started on your case.