Employers are legally obliged to take extra care to confirm that their workplaces are safe for their workers. Nevertheless, a workplace accident can happen. When they do, workers’ compensation insurance offers coverage for any kind of loss. Workers’ compensation insurance helps injured workers get medical care and compensation for a certain amount of the income they lose while they are recovering from injuries and can’t return to work. Plus, it protects employers from possible lawsuits by workers injured while working. Workers receive benefits irrespective of who was at fault during the accident. And if a worker is killed while working, workers’ compensation also provides death benefits for the worker’s dependents.
An experienced personal injury lawyer in Nashville from our law firm can help you get the legal coverage you deserve for your loss!
For now, let’s understand the extent of this compensation.
Each State Is Different
Workers’ compensation strategies are specified by law regulators in each state. Laws and court judgments regulate the program in each state. No state has similar laws and regulations.
States determine such features as the number of benefits to which an employee is entitled, the impairments and injuries covered, how impairments are to be evaluated and how medical care is to be delivered. They also discern how claims should be handled and disputes resolved.
To understand the conditions where you live, you can visit the state’s workers’ compensation department. A business working in different states may have to go through different rules in each new state. The discussion here covers the general features of workers’ compensation programs.
What Does Workers’ Comp Cover?
If you suffer from a work-related injury or ailment, workers’ compensation benefits can help cover your losses from a workplace accident. These workers’ comp benefits are only available if you get hurt or sick while working. Compensation might not be awarded for intoxicated drivers that get into a workplace accident or intentionally hurt themselves.
Workers’ comp insurance offers coverage to help employees to pay their medical costs associated with a work-related injury, workplace accident, or illness. This involves emergency room visits, mandatory surgeries, and prescriptions. For instance, if a worker gets injured at a customer’s home, workers’ compensation insurance can cover their hospital bills.
Workers’ comp helps replace the injured employee’s lost income in case they need some time off to recover from a work-related injury or illness. Workers’ compensation coverage can help replace their lost wages.
Some work-related injuries or illnesses can be so intense that they require frequent ongoing treatment. For instance, if an employee hurts their back while lifting heavy boxes, workers’ comp insurance can help cover their ongoing care costs, like physical therapy.
In the tragic event, your employee loses their life because of a workplace accident, workers’ compensation coverage can help cover their funeral costs and offer death benefits to your employee’s beneficiaries.
Sometimes, working situations can expose employees to dangerous chemicals that can cause serious illness. If an employee gets sick because of a work-related incident or ailment, the workers’ comp insurance can help cover the costs of their essential treatment and ongoing care.
Not all work-related injuries are the because of a single traumatic incident. Repetitive injuries can take time, sometimes months or years to develop. If you develop an illness after years of working with poor equipment or conditions, workers’ comp can help cover treatment costs and ongoing medical treatment bills.
Some work injuries can be severe enough to temporarily or permanently disable an employee. Workers’ compensation coverage offers disabled employees advantages to help pay their medical bills and provide some of their lost wages.
How Does The Workers’ Comp Claim Process Work?
Employers and employees play a significant role in the workers’ comp claim process. When an employee suffers from a work-related injury, they must report it to their employer, otherwise, there is a risk of losing compensation benefits. Different States as mentioned before, have different regulations and various deadlines for reporting a workers’ comp injury, from 72 hours to two years. You should report within 30 days to start the workers’ comp claims process.
An employer must follow these steps once they know about an employee being hurt:
Arrange For Medical Help From A Professional
If they learn of an injury, they’ll help the employee get the proper care.
Investigate The Accident
They are responsible for documenting what happened and identifying potential safety concerns. It can comprise inquiring witnesses for their statements and taking pictures of the scene.
File A Claim
They are usually in charge of filing a workers’ comp claim with your insurance provider. Rules may vary, but they should submit documentation to the state workers’ comp board.
Once a claim is filed, the workers’ comp insurance company will approve or reject it. They may also be included if an inquiry about the location and cause of the injury is required. The insurance company will also examine medical files and casualty reports.
What Happens If A Claim Is Approved?
If the workers’ compensation claim is authorized, the insurance company covers any medical treatment bills associated with the injury.
While an employee is incapable of working, they will also obtain a specific percentage of their wages as a weekly reward. The workers’ comp insurer will also pay the temporary or permanent disability benefits.
Temporary total disability rewards end as soon as an employee returns to work – even if they still have an open claim. For instance, if a worker gets badly injured during the office break room. They’re able to work, but they continue to obtain physical treatment.
The insurance company would keep paying for any medical bills connected to the claim. But as the employees return to work, their temporary disability advantages would end.
Some employers also formulate return-to-work schedules to help get injured employees back to work. These programs come with significant benefits.
Hire A Nashville Workers Compensation Lawyer For Your Workplace Injury Claim
The Nashville Worker’s Compensation Lawyers Legal Group can help you acquire a better awareness of everything your case involves. Some claims involving employment require handling by the Equal Employment Opportunity Commission (“EEOC”) before filing a lawsuit. A competent personal injury lawyer in Nashville knows which claim must go through the EEOC and how to control the investigation process.
Workplace injury cases often result in a lawsuit. Lawsuits can involve some specialized legal concepts. Therefore, you should acquire services from an experienced and qualified employment lawyer from the Nashville Worker’s Compensation Lawyers Legal Group, if you want help filing a work injury lawsuit.
Our experienced Nashville workers’ compensation lawyers can guide you on how the worker’s compensation process works and advise you on how to move through your legal claim. Finally, an attorney can also represent you in a court of law if required.
Call us now for a free consultation and then decide what to do next!