Workers’ compensation insurance covers medical and salary benefits for injured or sick employees because of the nature of their job. Each state requires coverage, yet the salary and medical coverage criteria are different in every state. If you or anyone you know has been injured on the job and is looking for uncomplicated legal counsel from a Charlotte work injury lawyer, look no further.
People who are injured or get ill within the course and scope of their job are entitled to workers’ compensation benefits, which cover medical bills, lost income, and rehabilitation expenditures. It also provides death benefits to the families of employees who lost their lives while being on the job.
Workers’ Compensation Charlotte: What Does It Cover?
Workers’ compensation insurance generally covers injury or amputation, diseases caused by the workplace (such as emphysema), repetitive motion injuries, lifelong impairment, medical attention, rehabilitation, lost income, death, and liability insurance.
Workers’ compensation will compensate you no matter who is at fault — the employee, the employer, coworkers, or even customers. It may appear to be merely another business expenditure; workers’ compensation insurance could actually shield from legal action if an employee is hurt or sick on the job.
Indeed, any accident sustained while performing routine job duties could be covered by workers’ compensation, even though it occurs away from your employer’s location. For instance, if you are wounded in a wreck while performing the job as a delivery driver, workers’ compensation should cover your hospital fees and lost wages.
Workers employed by subcontractors may be protected by their employer’s workers’ compensation insurance or the general contractor’s insurance.
Workers’ Compensation Insurance Requirements
Except for Texas, every state requires businesses to carry workers’ compensation insurance, either through a commercial insurer or through the state. The business can choose to be self-insured. Each state has distinct rules about what is covered, how issues are reviewed, or how medical care is administered.
If a business fails to carry the needed insurance, the business may end up covering the payments out of pocket and statutory penalties.
Workers’ compensation insurance premiums vary by provider and sector (high-risk jobs like construction and roofing could incur higher premiums than office jobs). Additionally, a company’s premiums can increase or drop due to the number of claims made.
While accidents are more likely to occur in certain areas than others, it protects firms of all sizes. Consider that just because your workers work in a cubicle does not mean they are immune to injury. Having a Charlotte work injury lawyer is a wise option regardless of what industry you are working in.
How Does the Overall Workers’ Compensation Process Work?
If an employee at your workplace is injured or is seriously ill on the job, the following describes the seven procedures involved in filing and processing a claim:
- The human resources department guarantees that the employee’s immediate medical needs are met.
- Either the employer or the employee prepares a formal claim.
- The human resources team educates the employee on the claim’s procedure, including how and where they can obtain medical care and how their earnings can be supported while unable to work.
- The company’s insurance provider is notified of the workers’ compensation claim. The claim should be lodged within 24 to 48 hours of the accident or illness occurring.
- Employers should maintain contact with all parties involved until the insurance accepts or refuses the claim.
- The insurance company tells the employers and employees when a claim is authorized or denied. If the insurer refuses the claim, the employee can request a re-examination.
- If the claim is accepted, the employee may receive additional medical care and may return to work after being cleared by their medical professional.
Suppose the employees get hurt at work. Even if they were careless, they are covered if an employee gets hurt while under the influence of alcohol or drugs, most likely, benefits will not be paid.
Why Might You Need a Charlotte Work Injury Lawyer?
Employees wounded in the workplace should be able to seek assistance through the state’s workers’ compensation system. Workers’ Compensation Insurance is intended to cover medical care, medical expenditures, a percentage of lost pay, and certain other expenses associated with work-related injuries or illnesses.
Unfortunately, obtaining workers’ compensation benefits can be a time-consuming and unpleasant procedure, made even more complicated when engaging with insurance companies and their administrators.
A knowledgeable Charlotte workers’ compensation attorney can ensure that you receive necessary medical attention, compile the paperwork, record all work-related injuries, and communicate with the insurer to ensure that your rights are protected, and your compensations are optimized.
If the insurance provider or its lawyers improperly deny the claim or certain benefits, your lawyers will bring the matter to a hearing to safeguard your rights.
Additionally, your work injury attorney can investigate additional reimbursement possibilities, such as a third-party claim against someone other than the employer and coworkers whose negligence led to your accident. With you and your Charlotte work injury lawyer regularly communicating regarding the case, the process of workers’ compensation claims should go smoothly.
Contact Our Charlotte Workers’ Compensation Lawyers Today!
Struggling with a work-related accident is unpleasant and stressful; choosing the proper lawyer for your situation should not be. A Charlotte personal injury lawyer will provide honest and practical assistance to injured workers in order to collect the maximum compensation allowed by law.
When you require an active and assertive workers’ compensation attorney, call us or use our contact form from our website to schedule your free consultation at our office.