Work should be a safe place, but accidents happen. If you've been injured while working, you'll need to file a workers compensation claim to receive benefits. However, getting a fair settlement may be harder than you think without an attorney. If you would like to know more, check out these three reasons to hire a workers compensation attorney.
1. To Communicate With the Insurance Carrier
The insurance carrier will likely contact you to offer a settlement, but it's best to let your attorney speak with the insurance carrier on your behalf, so you don't agree to a low settlement. Your attorney starts by ensuring you are eligible for workers compensation. They'll also gather any evidence to prove you were not under the influence of alcohol/drugs at the time of the accident.
If you are eligible, your attorney proves you meet all legal requirements for receiving workers compensation benefits. This typically starts by proving the injury is work-related. You'll need doctor notes and medical records to support your claim. As long as your attorney proves you followed the rules, your insurance carrier should offer a fair settlement.
2. To Get You the Settlement You Deserve
Your attorney can help negotiate a fair settlement, including getting you a lump-sum settlement, so you don't have to deal with the insurance carrier anymore. Workers compensation covers medical bills related to the injury and some disability benefits if you miss work. It may be difficult for you to estimate how much an injury will really cost you.
For example, you break your leg at work and accept a settlement to pay for the cost of the ER visit and a few doctor visits. However, after the cast is removed, you may need additional physical therapy to restrengthen the leg and regain range of motion. If you didn't include these anticipated costs in your settlement, however, you're out of luck. Your attorney is better familiar with the extent of injuries and treatments.
3. To File an Appeal
If the insurance carrier denies your claim, you can file an appeal, but you'll be arguing with the insurance carrier's attorneys, so it's best to have your own legal help. Typically, there is a tight deadline for submitting appeals, and they must be sent to the appropriate department. Depending on your state's laws, you may also be able to appeal or request a hearing to reconsider a denied appeal.
Workers compensation is designed to provide money for employees who have been injured while working. However, they may not be willing to negotiate a fair settlement with you. If you would like to know more, contact a workers compensation attorney in your area today.