If you got hurt at work and are no longer able to do your job you are probably wondering how you are going to pay your bills and put food on the table. You might know a little about workers' compensation benefits, but you may be wondering if they apply in your case.
Hopefully, this article will give you the information you need to put your mind at ease and know what next steps to take.
Who is responsible?
If you got hurt on the job, it probably doesn't matter if you were responsible or your employer, or another worker, was responsible. That's because workers' compensation is not based on fault.
However, if a third party such as another driver or a manufacturer of a faulty piece of equipment was involved, then that party may share responsibility for the accident. Read more about that below.
Workers' compensation benefits
Workers' compensation benefits are available to many workers who are injured on the job, and they help cover lost wages and medical bills relating to the injury. They may be temporary or permanent, depending on your injury.
Unfortunately, the insurance companies don't make it easy for workers to get the benefits that they deserve, and many claims are initially denied or undervalued.
Responsible third parties
In addition to seeking workers' compensation benefits, it may also be possible to seek damages from a negligent third-party who contributed to the accident. Generally speaking, workers' comp protects your employer from claims, but it does not prevent you from suing a third party for damages.
For example, if you are a delivery driver who was hit by a negligent driver while on the job, then that driver may owe you damages in addition to your workers' comp benefits.
Getting a lawyer
After being injured on the job, it is important to speak with a lawyer who handles workers' compensation cases in order to maximize your benefits. Your lawyer can negotiate a fair settlement with the insurance company and determine if you have a valid claim against a third party.
The next steps
It's important to report your injury to your manager immediately after the accident occurs. It is also important to see a doctor of your choice so that your injury can be documented. Then, call a lawyer who can go over the next steps to getting the benefits you deserve.