Most states require employers to have workman’s compensation insurance.
A debilitating on-the-job injury can leave you unable to do your job well, or even at all. Folks in certain lines of work may even find themselves switching careers because of a bad back or ankle that renders them incapable of the kind of work they once found fulfilling.
Workman’s comp insurance may give you the funds you need to recover from a minor injury. Yet what happens when you need more coverage, or if your employer retaliates by firing you?
It may be time for you to look into hiring a workers’ comp lawyer. These professionals can help you recover lost wages, and even get your training if you need to rethink your career.
Here are some serious reasons to get the law on your side.
1. Your Claim Was Denied
If your worker’s comp claim is denied by your insurance company, it is time to hire a competent lawyer. You can learn more here.
You may also find that you are not getting your benefits in a timely manner. The appeals process requires you to file paperwork, although it varies from state to state. You will need to gather appropriate evidence and make your case in a hearing.
A great workers’ comp lawyer can help you hire witnesses, get independent medical evaluations, and take depositions. This all requires legal knowledge and skill that an expert can provide. They can also argue your case effectively in a court of law.
2. Your Employer Retaliates
Your employer could retaliate by cutting your hours, demoting you, or firing you after you file a claim. In these cases, you are entitled to punitive damages. A lawyer can help you craft an effective case and gather appropriate evidence.
3. You Require Special Treatment
Insurance companies may refuse to pay for necessary special treatments, such as surgeries, after your injury. These may be expensive but necessary for your recovery.
The right attorney can pressure your insurance agency to process your treatments in a timely manner. Only a qualified lawyer can tell you what your settlement should be.
Your workman’s comp awards are often based upon a permanent disability rating that is calculated by a doctor chosen by the insurance company. You may wish to choose your own doctor so you can get a higher rating and a fair settlement for your expenses.
4. You Have a Pre-Existing Condition
If you have a pre-existing condition in the area of your injury, your insurance company will likely try to blame the injury on the condition. This is especially true with back injuries.
Some injuries develop over time and are often linked unfairly to pre-existing conditions. You will need a lawyer to fight for you to get the maximum settlement you deserve.
5. You Are Also Getting Social Security Benefits
If you are already receiving social security benefits, they can be reduced if you start getting workman’s comp payments. The right lawyer can help you structure your settlement in a way that will get you the most out of social security.
If you are eligible for Medicare, you will need to set aside a portion of your workman’s comp to pay for medical benefits in the future. If your insurance company refuses to settle, you will need an excellent lawyer on your side.
The Right Workers’ Comp Lawyer
The right workers’ comp lawyer can help you get the funds you need to recover from your injury and return to the right line of work. Enlist the help of an expert for maximum security and peace of mind.
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