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Workers compensation insurance, commonly called workers’ or workmen’s comp, is a form of insurance designed to provide compensation to workers who have been injured while on the job.
While the details can vary significantly from one plan to the next, insurance plans in this category typically provide for some form of wage replacement, payment and/or reimbursement of medical costs, compensation for economic losses, possibly damages for pain and suffering, and settlements to the insured’s dependents in the case of a fatal work-related accident.
Given this broad range of covered areas – essentially combining the key features of disability insurance, health insurance, and life insurance, among others – workers’ comp is certainly one of the more critical forms of insurance an individual can obtain. By knowing all you can about workers comp you can ensure that if an accident happens on the job you are covered. If you are not you could find yourself and your family in trouble down the road. We all need money to pay the rent and buy food and getting compensation for an injury at work can help you to pay for these necessities.
Workers’ compensation insurance is typically associated historically with labor or professional unions, and is often the result of coordinated campaigns to obtain the coverage for the union members. Proponents of workers’ comp cite improved working conditions, economic support for employees, and the safety net provided by the insurance, as key benefits of workers’ comp. Critics of this type of insurance cite increased costs to employers and potential infringement on workers’ rights to seek recompense on their own. Another concern that is frequently raised is the possibility of American companies moving parts of their operations or even their entire companies to areas with looser workers’ comp law. In the United States, however, workers’ comp laws are nearly universal, and almost all employers must carry the insurance in some form for their employees.
The body of laws governing workers’ compensation insurance has become extremely complex and varies from state to state. For example, in many states it is illegal to terminate an employee for filing a claim or for reporting an injury incurred at the workplace. This isn’t illegal in all states, however. And while most states don’t allow employers to deny employment based on previous workers’ comp claims, employers are able to check a commercially maintained database of claims, a system that could potentially be abused by unethical employers.
Because abuse of the system has occurred on the part of employees as well, stiff fines and other legal penalties are in place for persons who file false claims for workers’ compensation benefits. While stories of supposedly injured employees engaging in physically demanding activities are commonplace, little hard data exists to indicate what percentage, if any, of the claims filed every year are actually fraudulent.
Vigorous investigation by employers, including tactics such as secretly video taping claimants engaged in physical activity, have also undoubtedly helped reduce the number of false claims. Certainly the vast majority of claims filed are the result of legitimate, unavoidable workplace injuries.
Should you retain Bobe & Snell, you will receive our 100% commitment to cooperation, competency and caring representation. With over 25 years experience both pursuing and defending workers’ compensation claims, Bobe & Snell is the industry leader and just a call away.
Because workplace injuries are so common, workers’ compensation was created to compensate employees for their injuries, and provide benefits if they are not able to return to work.
While on-the-job workplace injuries are generally covered directly through workers compensation between the employee and the employer, there are certain circumstances where the injured employee has additional options.
Many kinds of workplace injuries are possible, including traumatic personal injuries such as those sustained in construction accidents; repetitive injuries such as carpal tunnel syndrome; and conditions such as mesothelioma caused by exposure to hazardous workplace materials.
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In most cases, the benefits are always given to the dependents of the deceased. For example, the children and the wife may be compensated when a husband and dad dies from workplace related fatality. Sometimes, parents are given the death benefits when a sibling passes on from a workplace accident. These cases differ from one another; it is therefore advisable to consult our lawyers to understand your specific case.
When it comes to finding competent workers’ compensation lawyers in Georgia trust in Bobe & Snell Attorneys at Law.
Repetitive trauma injuries or CTS can occur when carrying out the same tasks at work over a prolonged period of time. Although you may not have experienced an accident or injury at work, you could still be entitled to workers compensation benefits.
Psychological injuries are stress-related emotional conditions resulting from real or imagined threats or injuries that may become the subjects of personal injury litigation, workers compensation claims, criminal injury compensation and other disability claims.
Most people do not feel the need to understand workers compensation laws until they have suffered a serious work related injury . These laws can be quite complex and they vary from state to state. It is important for every worker to be aware of what workers compensation entails so they will be prepared in the event of a serious accident.
Worker’s Compensation, also known as ‘Workman’s Compensationandquot; or ‘Worker’s Comp’, is a set of laws designed to protect injured workers. The purpose is to ensure that if a worker is injured at work, they will receive medical care, lost wages associated with the injury, rehabilitation, and retraining so they can return to work once they have recovered. If a worker is killed while at work, their families will usually receive death benefits. This systems permits injured employees to receive benefits without having to prove that the employer was negligent
While most injured workers usually qualify for benefits, there are situations where an employee may be denied benefits. This type of situation can become very complicated. Workers who are denied benefits usually consult with an attorney. An attorney who specializes in worker’s comp claims are Worker’s Compensation Attorneys. An attorney can advise a worker on how to protect their benefits and will defend them if they are denied benefits, denied extended or permanent disability, or had their benefits terminated early.
Employers tend to know more about worker’s comp law than the workers. Sometimes an employer may attempt to deny benefits. They may also send an injured employee to a doctor who may not have much experience in the area of the injury, or is working more for the employer than the patient. . An attorney will help protect a worker’s rights if an employer attempts an underhanded method of denying benefits or forces an employee back to work too soon after an accident. An attorney will also help a worker who returns to work for a period of time following an injury and suddenly finds himself laid off and no longer eligible to collect benefits.
Using the services of a worker’s compensation attorney will increases the chances of a worker receiving benefits. An attorney understands all aspects of the worker compensation laws and is familiar with the process, the officers and judges who preside over the process, and how the process works. Worker’s compensation proceedings are much different than other law proceedings. The setting and rules are more relaxed. Most personal injury lawyers will work on a contingency fee basis. This means that the attorney does not receive compensation unless the case is successful. Most states limit the amount an attorney can receive in fees for worker compensation claims so it can be difficult securing a personal injury lawyer. You should try to hire a personal injury lawyer that has experience with worker’s compensation claims
A worker who receives worker’s comp benefits usually cannot file a personal injury claim against an employer. A worker can file lawsuit if an employer intentionally causes an injury. The employer must have committed a precise act that intended to cause injury to the employee. For instance, if an employer pushes an employee down a flight of stairs, you can sue. A worker may also sue if an employer is required to provide compensation coverage and fails to do so.
If you find yourself facing obstacles to securing worker compensation benefits, you should consult with an attorney. Workers compensation laws can be very complex for someone who does not have a legal background. A personal injury lawyer will have the expertise in handling a worker’s compensation claim.
Workers Compensation Laws
Our compensation lawyers work as legal teams, handling every part of your claim with expertise and experience. This is very important when working against the huge resources at the disposal of insurance companies. A lost income benefits lawyer is therefore your best chance at getting the just compensation you deserve.
