Dealing with a worker’s compensation insurance company for work injuries can often be challenging for injured workers. What you have to remember is that the insurance company isn’t going to volunteer to give you money. The more money that they give you, the more money that comes out of their pocket.
By law, they are required to provide certain bare minimums and for most worker’s compensation insurance companies, that’s exactly what they’ll offer you. The minimum. They may also try to dissuade you from seeking ongoing therapy and try to downplay the severity of your injuries. Understand, that they aren’t here to help you. They’re here to look after their own interests.
Make Sure That You Report Any Injury You Suffer On The Job
If you suffer any type of injury when you’re on the job, you need to report it. Failing to report an injury can result in a worker’s compensation claim being denied should you need to file one. Just because an injury seems minor today doesn’t mean that it won’t end up costing you problems in the future.
Therefore, it’s better to be safe than sorry. So, if you suffer an injury at work, even an apparently minor one, report it.
You Deserve Fair Compensation For Work Injuries
If you suffer work injuries you need medical care to help you to recover from those injuries. You’re also entitled to compensation for lost wages. While you won’t receive the full amount of money that you would earn if you hadn’t been injured and had continued to work, the percentage that you’re awarded can help you to pay your bills while you recover.
Furthermore, if you’re having issues getting fair compensation from your worker’s compensation insurance, then a lawyer may be able to help.
Partial Or Total Disability Due To A Work Injury
If you become temporarily totally disabled and unable to work as a result of work injuries, you should be compensated. If you end up with a permanent partial disability, the worker’s comp insurance company should offer you a settlement that will help to offset any future earning losses that you incur.
On the other hand, if you end up with a permanent total disability, you’ll likely receive a settlement offer. When insurance companies offer settlements they normally come with the caveat that you will give up any right to future compensation from them.
So, if you’re going to accept a settlement offer, make sure that you speak with a worker’s compensation lawyer before you sign anything.
You Need Someone To Look Out For Your Interests
The most important thing to keep in mind when dealing with a worker’s compensation insurance company is that they aren’t looking out for you. They might be very pleasant and they might seem like they are being generous, but that’s exactly what they want you to think.
They are looking out for their own bottom line. That means that you need someone who will look out for you. That someone should be an experienced worker’s compensation lawyer.
Therefore, if you suffer any type of serious injury on the job, make sure that you do the right thing for yourself and hire an experienced worker’s compensation lawyer to ensure that your rights are protected.