What is Workers Compensation

Accidents at work are common: a slip on a wet surface, a fall off a ladder, a back strain from heavy lifting, or even carpal tunnel syndrome as a result of typing. In these instances, a workers’ compensation attorney can help an employee recover compensation. Here’s what you need to know.

What Is the Purpose of Workers’ Compensation?

Workers’ compensation is a form of insurance designed to provide employees who are injured while performing job-related functions with financial compensation for lost wages and medical care.

What Can a Workers’ Compensation Attorney Do for Me?

Hiring a dedicated workers’ compensation lawyer will give you a much greater chance of obtaining the benefits you deserve. Your attorney may take a number of measures on your behalf, including:

  • Communicating with the insurance company
  • Gathering medical evidence in support of your claim
  • Negotiating a favorable settlement
  • Representing you at your workers’ compensation hearing
  • Appealing a denied claim

Why Are Some Claims Denied?

Unfortunately, employers and their insurance companies often deny workers’ compensation claims — even when they’re perfectly valid — which leaves the injured employee to face a complex appeals process. Perhaps the most common reason why claims are denied is a lack of medical evidence. A workers’ compensation attorney can help you gather the evidence you need by:

  • Collecting medical records
  • Recommending or arranging treatment with physicians
  • Obtaining medical opinions through an independent examination
  • Identifying poor workplace safety or a lack of training

Claims may also be denied if the employer disputes that the injury took place at work or that it was caused by job-related duties, among other reasons. Your attorney can help you navigate the complex appeals process.

How Do I Know if I’m Covered?

To receive workers’ compensation benefits, you must meet certain requirements:

  • Your employer is covered by workers’ compensation insurance: Most employers are legally required to carry this insurance, but there are exceptions that vary by state.
  • You are an employee: Independent contractors are not considered employees and do not qualify for workers’ compensation benefits.
  • Your injury is work-related: The injury must have occurred on the job while you were performing a work-related task.

Contact a Workers’ Compensation Attorney

If you have suffered a job-related injury, you may be eligible to recover workers’ compensation benefits. Contact Morgan & Morgan by filling out a free legal case evaluation now.

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