What Should Injured Workers Know About Worker’s Compensation?

Injuries can occur on the job for just about anyone and sometimes, these injuries cause a person to be unable to perform their job while they recover. These injuries can also sometimes cause a person to become disabled for life. When someone experiences a work injury, it is imperative they learn all they can about their rights and filing for worker’s compensation benefits.

What Can Workers Expect?

When someone becomes injured on the job, they will need to inform their employer within a certain time period. The reporting time period is different for every state, so the injured worker needs to check on their state’s worker’s compensation rules and regulations so they can make sure they are reporting appropriately. The claim’s process will not begin until the report has been made to the employer so it is always wise if delays can be avoided.

The employer will file a claim with their insurance company and the insurance company will begin investigating the claim. The injured worker may need to be examined by the insurance company’s doctor for a diagnosis and prognosis. In most states, the insurance company is given a couple of weeks to decide on the claim, though this time period can vary from state to state.

Once the worker receives their letter, they will receive either an approval or a denial. Once the benefits have been approved, the injured worker will begin receiving weekly benefit checks for wage replacement while they recover. Their medical bills will also be paid by the insurance company.

What Happens With Denials?

If an injured worker is denied worker’s compensation benefits, they have the right to appeal the decision and can even hire a lawyer to help them. Hiring a lawyer can help to give individuals great peace of mind as they go through the process of seeking the benefits they deserve for their injury.

Those who have been hurt on the job need to seek legal help right away. With the help of a lawyer, the insurance company and employer are more likely to be cooperative and offer a fair outcome for the injured party.