For many workers, the consequences of suffering an on the job accident can be particularly severe. These individuals may be concerned about finding themselves responsible for large medical expenses and lost wages. While it is often possible to file a worker's compensation claim to receive compensation for these damages, workers often have a weaker understanding about this type of protection. Not surprisingly, individuals with limited experience with these claims may need to have a few questions answered so that they can make better decisions when it comes to protecting their rights and pursuing justice.
What Types Of Injuries Are Covered Under Worker's Compensation Coverage?
Worker's compensation is often used when an employee is injured through an accident that stems from the responsibilities that accompany their jobs. However, there is a common misconception among some individuals that a worker's compensation claim will only cover injuries that result from a clear accident that results in physical harm. While this is among the more common types of claims, it should also be noted that this type of coverage can extended to repetitive stress injuries as well. As a result, individuals that suffer joint injuries or carpal tunnel syndrome can also pursue this compensation.
Can Your Claim Be Denied?
Some individuals may assume that their worker's comp claim will always be approved. However, there can be a number of reasons why the insurance or employer would attempt to deny your claim. For example, the insurance may argue that at least part of your injury occurred due to activities outside of work, which can help to limit the liability of the employer. Additionally, it can be argued that you were violating safety protocols and instructions, which could also lessen the liability of the employer. When these strategies are used, it is important to seek the representation of an experienced attorney as it is possible to contest and appeal denied claims.
What Happens If Your Claim Is Approved?
When a worker's compensation claim is approved, you will be referred to a doctor to start the treatment process. While some people may think that they will be able to choose their doctor, this is not actually the case during the first several weeks of treatment. Only patients that will require extended care can petition for a change of doctor. In addition to having your medical expenses covered, you may also qualify for partial wages while you are recovering. As your treatment progresses, you may be allowed to return to work for a limited duties prior to fully recovering, but this will depend on whether the employer has a position with responsibilities that will not stress or worsen the employee's injury.
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