An employee injury is nothing to laugh at. No matter how severe, an injury will throw a monkey wrench into the employer’s and employee’s lives.
In addition to the obvious medical issues, both employee and employer will need to complete a vast amount of paperwork. That’s why it’s imperative that, despite the initial inconvenience, both parties need to carry out a specific set of steps to ensure something like this will not happen again.
Get Medical Treatment
The first action the employee needs to take following a workplace accident is to seek medical help. Leave nothing to chance. Medical help should be sought whether the employee has suffered a small cut or a severe injury like a fracture. The type of medical treatment depends on the type of injury or the location of the wound, even if the injury does not appear severe. The employer and employee must handle this situation in a timely and professional manner.
Reach an Agreement
After the employee has received treatment, they should sit down with the employer to discuss what happened. It’s important to find out how the incident occurred and how it could have been prevented. Talking the matter out one-on-one to ensure both parties have the chance to state their case and reach a solution together.
Prevent Future Injuries
After everything is taken care of, the employer should seal off the area where the injury occurred. The area where the injury needs to be sealed so that an inspection can be carried out to determine the cause of the incident and why it occurred. When the employer finds out what the problem was, they can take steps to prevent this type of incident does not happen again.
Complete the Necessary Paperwork
After the area is sealed off and an agreement has been made, you need to start working on the paperwork. An employee can file a claim, and the employer is obliged to inform them about their rights and provide them with the forms they need to complete for these benefits.
It’s important to find out exactly what goes into a claim. Generally, worker’s compensation does not look into fault. However, it does consider the injury severity. Withstand Lawyers, or other workplace injury attorney offices can handle these issues and offer in-depth explanations on these matters from both sides. They can also offer advice on entitlements so employees can avoid losing out on their potential benefits.
Handle the Insurance Matters
After filing the reporting paperwork and the insurance is processing the claim, both sides in the matter needs to cooperate and provide the insurance company with the information they need to get the matter sorted. This process can take a long time, so make sure to do what you can to reduce the potential time-frame.
Injuries will happen. Probability shows us that eventually, an employee will have an accident, it’s not possible to prevent all workplace injuries. However, before and after the incident, what we do will ultimately define who you as an individual. Make sure you do everything you can to ensure this process is handled with care and in accordance with your insurer’s protocol.
Have you or someone you know been injured at work?
Then you’ll need to know the steps to filing a workers’ compensation claim.
This can be a stressful and challenging time, and not everyone knows how to go about getting workers’ compensation. It may seem overwhelming when balanced with medical bills, doctors’ appointments, and recovery time.
However, when you have a guide to the steps to filing a workers’ compensation claim to follow, the process becomes less daunting. That’s why we’ve put together this easy guide so that you’ll know how to get the compensation you deserve.
Keep reading to learn the steps to filing a workers’ compensation claim!
Why File for Workers’ Compensation?
When you’re injured on the job, you have the option to file for workers’ compensation. You may be wondering if it’s worth it to take the steps to filing a workers’ compensation claim.
However, there are many valuable reasons to file for compensation.
If you’re injured on the job, you’re entitled to compensation. Although in rare cases an employee will decide to file a personal injury lawsuit instead, workers’ compensation exists to take the place of long, complicated legal processes.
Workers’ compensation functions as an insurance policy. This means that you are legally entitled to certain benefits as an employee who was injured. There’s no need to hold back from filing – it’s your legal right.
In order to file, you simply need to establish that you were injured while on the job, while doing work-related activities. It’s easier than you might think.
Five Steps to Filing a Workers’ Compensation Claim
Now, let’s take a look at the exact steps to filing a workers’ compensation claim. If you follow these steps, you’ll quickly and easily get the compensation you need.
1. Get Medical Treatment
Your first step after an on-the-job injury is to get immediate medical attention.
This is an important step. You’ll increase your chances of a full recovery by getting the treatment you need right away. You’ll also need to show that you’re getting treatment to file for workers’ comp in most places.
Certain compensation policies require you to see a particular doctor, so check with the company before you make an appointment. Most of the time, the laws allow you to get a second opinion if the required doctor doesn’t work out.
However, no matter what, you’ll want to make the appointment as soon as you can after your injury.
You might feel like you’re perfectly fine and don’t need medical help, but if you were injured at work, go ahead and make the appointment anyway. This can help prevent medical issues related to the injury from arising later on. Plus, it’s the first step in filing for compensation. You’ll need the medical report to show the basis for your compensation.
2. Tell Your Employer
It’s also important to tell your employer about your injury as soon as possible.
There is a statutory deadline within which you must let your employer know that you were injured. However, the sooner you tell them, the better.
The notification deadline can be short – you might only have 30 days, or even less, to make a report.
Even if you don’t feel like you were injured, you should still report any accidents in the workplace that you were involved in. That way, if the deadline passes and it turns out you were injured after all, you can still file for compensation.
A verbal notification won’t be enough here – you’ll need to make sure it’s in writing too. You can give an initial notification verbally, but be sure to follow it up with a written one soon after.
The written notification provides an official record that can be referred to when you file your claim.
It’s also important to get this step done quickly so you can remember all the details of the accident. If you wait too long, it can become harder to convey exactly what happened.
3. Request an Official Claim
When you tell your employer what happened, they’ll usually provide the official claim for you to fill out.
If they don’t, you’ll need to request one from your state’s workers’ compensation board.
The information that goes on that form tends to include:
- Nature and location of the injury on your body
- Time, date, and location where the injury occurred
- Any other people who were involved
- How the accident happened
- Medical treatment you’ve been given so far
4. Employer Files the Claim
Once you have turned in the form, it’s up to your employer to take the next steps.
Most employers are legally required to provide workers’ compensation, so they have a strong incentive to follow these next steps. If they don’t, they could get fined, charged with a crime, or sued.
Employers aren’t allowed to seek retaliation against an employer for filing a claim, so don’t worry about being punished.
If you have any issues during this process with your employer, you’ll want to seek legal representation. You can easily find a lawyer in your area. Just conduct a Google search, such as “workers compensation attorney Chicago.”
Your employer will file your claim and any necessary paperwork with their insurer, and the state board of workers’ comp.
The insurer evaluates the claim, and then you’ll receive notification of whether or not your claim has been accepted. At this point, you’ll find out the amount of compensation you’re going to receive.
5. Next Steps
Once you’ve filled out the required forms, you’re pretty much done with the steps to filing a claim with a Georgia workers’ compensation lawyer.
However, it’s important to follow up and stay organized throughout the process. Make sure you continue to get regular medical treatment if a doctor recommends it. Your compensation will cover the cost of any treatment due to work-related injuries.
It’s not a bad idea to jot down any time your injury negatively impacts your life or your ability to work. You can be compensated for these problems, but you’ll need to document them.
Keep all your receipts of costs related to the injury, and record proof of any injury-related hardships you experience.
On the off chance that your claim is rejected, you can usually appeal. This process will be easier if you have plenty of documentation.
Is Workers’ Compensation Right for Everyone?
Most of the time, you’ll want to file for compensation following an injury at work.
However, in rare cases, you might want to file a personal injury lawsuit instead. For more about personal injury law, check out this post.
Every year, insurance companies pay out over $50 billion to settle workers compensation claims. Overexertion, slips, and falls are some of the most common workplace injuries, and they account for most of this settlement.
As an employee, getting into a workplace accident is the last thing on your mind when you check into work, but the threat is always there, regardless of how low risk your job is.
Then the worst happens, and you get injured at work. You’re unable to work for a while – or permanently – and you’re spending money on medical costs. This is when you realize you need to file a workers compensation claim. Should you go it alone or hire a workers comp lawyer?
Read on to learn why hiring a lawyer is the smartest move.
You (Probably) Don’t Understand Workers’ Compensation Laws
Unless you’re a workers comp lawyer, you certainly don’t understand workers compensation laws in your state.
As a result, when you’re injured at work it can be difficult to know whether your employer is legally responsible for your injuries. Or you could fail to file a claim for fear of losing your job. If this is what you’re facing, you probably don’t know it’s illegal for an employer to treat you unfairly or fire you for filing a claim.
When you hire a workers comp lawyer, you’re getting a professional who has spent years helping injured workers like you get the compensation they deserve. Your lawyer will explain the relevant laws to you, as well as identify any grey areas.
If you work as an independent contractor for a certain company in Louisiana, for instance, you may or may not qualify for compensation when injured on the job. You need a lawyer who understands Louisiana workers compensation laws to assess your contract and determine whether you’re eligible for compensation.
Your Employer Can Deny Your Claim
Why should an employer deny a claim? After all, it’s the insurance company paying out the money.
Well, employers have much to lose when their insurance carriers have to settle workers comp claims. If the number of claims filed by employees of Company X keeps increasing every year, the insurance company will increase premiums. And given that companies pay these premiums from their revenues (not employees’ deductions), you can see why an employer might be inclined to deny a claim.
Yet, one of the first things you should do after getting injured on the job is to report to your employer. When the time to file a compensation claim comes, you’d expect your employer to help you through the process.
However, if your employer is not cooperating or outright denying the claim, it’s time to get in touch with an experienced workers comp lawyer. Such a lawyer knows the buttons to push to get your employer and their insurance providers back on the negotiation table.
Get the Right Settlement Offer
Business is about keeping expenses low.
It is, therefore, not uncommon to find employers or insurance companies offering low or unfair settlement offers to claimants.
Without a worker’s comp lawyer on your side, the other party can easily arm twist you into accepting the offer, or they can falsely promise to pay more later.
You can also accept an offer because you feel it’s right. Let’s say you spent $10,000 treating your injuries. You file a compensation claim and, to your surprise, the employer or his insurer quickly offers $20,000. In your view, the employer has actually overcompensated you.
When the deal is too good, think twice!
Your employer certainly didn’t offer that amount out of goodwill. He knows if you filed a proper claim that factors in all losses and injuries (including things like emotional trauma), he could be paying a lot more.
For those reasons, you should not hesitate to hire a workers comp lawyer. He will assess your case and compute an amount that runs beyond the obvious costs. This will enhance your chances of getting the right settlement offer.
You Need to File a Lawsuit
By now, you can tell the various reasons that can necessitate you to file a workers compensation lawsuit. Denial of a claim and low settlements offer are the most common.
When things get to this point, some workers give up. One, you risk infuriating your employer if you keep pressing on or, two, you think hiring a lawyer to help you fight in court is costly.
By the way, never shy away from getting legal help because of the fees. Sure, legal fees vary from law firm to law firm, but a workers comp lawyer worth his salt will only take a percentage of the settlement once the case is won. If you find a lawyer asking you to pay so they can begin working on your case, move on.
Anyway, when it’s apparent you need to take your case to court, the lawyer will prepare the necessary documents, often depending on the nature of your accident. If your injury was a result of a slip and fall accident, for instance, your lawyer has to gather the necessary evidence in order to prove liability. Click for more information on what it takes to file a successful slip and fall lawsuit.
Do the Right Thing and Hire a Workers Comp Lawyer
Evidently, hiring a workers comp lawyer is a smart move.
Even if your injuries are minor, you’ve missed no work as a result of the injury or the employer has accepted full liability, there is a chance you might fail to get the right settlement offer. With a lawyer on your side, you’ll have greater peace of mind, and you’ll be confident of receiving the compensation you truly deserve.
Ever been injured in on the job? How did you handle the claims process? Share your experience with us in the comments section below.