As you may be aware, worker's compensation is a state-mandated insurance program that provides benefits to employees who may get injured or ill as a result of their job. The program is administered by individual states, so the specifics vary from one to the next. However, most programs provide medical coverage, income replacement, and death benefits. In addition, many states have laws that protect employers from being sued by employees who are injured on the job.
If you're injured on the job — even if it's not your fault — you should consider hiring a worker's compensation lawyer. Here are four reasons why:
1. You May Be Entitled to More Benefits Than You Realize
Even if your employer has worker's compensation insurance, you may not be getting all the benefits you're entitled to. For example, you may be eligible for more than just medical benefits. You may also be entitled to income replacement, death benefits, and benefits for permanent disability. A worker's compensation lawyer will make sure you get all the benefits you deserve.
2. The Insurance Company May Not Be On Your Side
Although your employer is required to have worker's compensation insurance, the insurance company is not necessarily on your side. The insurance company's goal may be to pay out as little as possible — which means they may try to deny your claim or lowball you on the settlement. A worker's compensation lawyer will fight for the full amount you deserve.
3. You May Need to Go to Court
The worker's compensation system is designed to be relatively straightforward. In most cases, injured workers simply file a claim and receive benefits without any issue. However, there are some cases where the claims process is more complex, and injured workers may need to go to court to receive the benefits they deserve. If you find yourself in this situation, it is important to hire a worker's compensation lawyer who can help you navigate the legal system and fight for the benefits you need. Without a lawyer, you may be at a disadvantage when going up against your employer or their insurance company. An experienced worker's compensation lawyer will know how to build a strong case on your behalf and advocate for your rights in court.
4. It May Cost You Nothing Upfront
Many worker's compensation lawyers work on a contingency basis, which means they only get paid if you win your case. And even if you do have to pay something up front, it's likely to be a small percentage of the total settlement. So hiring a lawyer is a smart investment that could end up paying off big time.
If you've been injured on the job, don't try to go it alone — contact a worker's compensation lawyer today. They can help you get the benefits you deserve and fight for your rights.