workers compensation claims

What Are Workers Compensation Claims And What Do They Cover?

Workers compensation claims are applications for compensation after an injury at work. The benefits include compensation for medical treatment, disability payments, permanent disability settlement, vocational rehabilitation or survivor benefits to dependents after the death of a worker.

Contrary to the common misconception that the State pays workers’ compensation claims, payment for claims is actually handled by private insurance companies. Consequently, employers have to take out workers’ compensation insurance. This is to cover workers who may receive injuries on the job.

Workers’ Compensation covers:

1. Workplace Injuries

Injuries at the workplace may happen even if you don’t work in a high-risk work environment. Some injuries can occur due to simple things like a slippery bathroom floor. You reserve the right to pursue benefits for time lost and medical bills due to workplace injuries no matter your work environment. Therefore, report all injuries that you sustain to your employer immediately. Plus, you should ensure that you obtain medical help.

2. Occupational Disease

Regulations protect employees from work-related injuries that occur over time due to exposure to workplace hazards that are unique to a given industry or occupation. Such medical conditions or injuries may occur upon a worker’s exposure to dangerous compounds or chemicals. If you have developed a condition or can no longer work due to an occupational disease, you can pursue a Worker’s Compensation Claim.

3. Toxic Exposure

Long-term exposure to specific toxins or chemicals such as inhalation of asbestos or breathing cotton fibers in the workplace may lead to occupational cancer, lung disease, and other incapacitating illness.

4. Repetitive Strain Injury

You can make workers’ compensation claims for injuries resulting from wearing of tendons, muscles, and ligaments. Especially, if these injuries are due to repetitive tasks and motions. The resulting injuries may be excruciating and disabling and could include painful inflammation and carpal tunnel syndrome.

5. Third-Party Liability

If your injury was instigated by a third party, including a contractor or a subcontractor performing a job at your workplace, you can place a Worker’s Compensation Claim to cover your enormous lost wages or medical expenses.

At Marc J. Shuman & Associates, LTD., we will not only assist in filing your workers’ compensation claims but will also pursue any third party responsible for causing your injuries. For your workers’ compensation claim, call (312) 422-0700 or contact us for a free consultation today!

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