Worker's compensation coverage can be one of the most important protections that you have. A workplace injury has the potential to cause serious financial hardships due to lost wages and medical expenses. However, the law requires most employers to carry this type of coverage for their workers. If you have never given much thought to this important coverage, you might want to learn the answers to a few of the more common questions to help you be prepared in the event you suffer a workplace injury.
Is There A Risk Of Your Claim Being Denied?
When you file a worker's compensation claim, you should know that there is no guarantee that your claim will be approved. Ultimately, it will be up to the insurance company to determine whether to initially approve the claim. In the event that your claim is denied, you will need to file an appeal. This appeal will be heard by the local labor board or third party arbiter. To give your claim the best chance of success, you should seek the counsel of an experienced worker's compensation attorney before filing this appeal. These professionals will be able to help you build an argument that can give your appeal the best possible chance of succeeding.
How Expensive Will It Be To Hire A Worker's Compensation Attorney?
Unfortunately, there are some individuals that will not seek the counsel of a worker's compensation attorney because they are under the impression that these services will be too expensive for them to afford. Luckily, these attorneys work on a contingency fee structure. Under this type of billing arrangement, the attorney is only entitled to compensation for their services if they are successful in obtaining these benefits for their client. Therefore, you can have this type of counsel without having to worry about paying their fee if they are unsuccessful in representing your case.
How Can You Pursue Compensation For Injuries When Your Employer Lacks Worker's Compensation Insurance?
Sadly, there are some employers that make the mistake of failing to have worker's compensation insurance like Kim Farner Insurance. When this is the case, your only recourse for collecting damages may be to file a civil lawsuit against the company. This lawsuit will allow you to claim damages for your medical expenses, lost wages and other damages that you incurred due to your injury. While a lawsuit will take longer to resolve than filing an insurance claim, it can be the only option when the employer was negligent in their duty to carry this type of coverage for their workers.
Share16 September 2016
