Workers’ compensation insurance is designed to replace the wages of workers who have been injured on the job and to provide them with medical treatment for their injuries. Your employer is responsible for paying the premium for this insurance. In the event of an injury, workers’ comp insurance will pay you some of your lost wages while you recover. For injuries that result in permanent disability, you may be compensated for future economic loss. All your medical expenses and doctor visits will be covered and death benefits will be paid to the families of employees who have been killed on the job. There are also benefits for the company because with the workers’ compensation system the employee loses the right to sue the employer for negligence. There are some disadvantages to the employee for this coverage because you will not be able to sue your employer for pain and suffering. When Should You Seek Legal Advice? If you have been injured on the job it may beneficial to hire an attorney to represent you. There are many reasons why an attorney could be helpful during this period of time. You may disagree with your doctor’s evaluation or treatment plan. An attorney can help you request a second or third opinion. If you are permanently or temporarily disabled, then an attorney can help you get the maximum benefits you are entitled to. A workers' compensation lawyer may be able to help get you a better cash settlement award or help you collect benefits for a longer period of time if you need longer to recover. You can connect with a workers' compensation attorney by filling out our Free Case Evaluation.
