Workers’ compensation insurance is supposed to provide medical benefits, and wage replacement when you as an employee are injured while on the job. However, many insurance companies deny most of the initial insurance claims, making it harder for injured and sick employees to receive the money they rightfully deserve. The only way employee can easily get the compensation, is by contacting an experienced workers’ comp lawyer. Here are four most common signs you need a lawyer.
When You Require Surgery
If the employee requests compensation for surgery operation expenses, most of them are usually not paid. The reason why they deny these kinds of claims is that many insurance companies, subject most of the claims to scrutiny, looking for an excuse to deny them. In this case, the employee will need a lawyer to represent him, so that their claims will be paid in full.
In the Event of a Permanent Injury
Those employees who sustain a severe injury on the job may be entitled to permanent disability benefits. Since these cases can be quite costly, insurance companies set high barriers that workers must overcome before compensation. If in this situation, a reputable workers’ compensation lawyer is required to petition for long-term benefits. Law firms like Hoffman Injury Lawyers have teams of experts who specialize in workers’ compensation to ensure that your compensation is right.
When Given Incorrect Benefits
Most insurance companies tend to give you a cover for a particular package, and then in the event of injury, they offer you the wrong compensation. At this point, you need a reputable workers’ compensation lawyer who will be able to set things right for you, by negotiating with your insurance provider.
When There is a Pre-Existing Disability Condition
Sometimes when a person who has a pre-existing disability or a condition that will require special attention is injured on the job, in most cases insurance companies ignore such claims. They argue that their accidents are due to the disability, to evade compensation. In this case, you will need an experienced workers’ compensation lawyer to represent you.
The workers’ compensation programs protect employees throughout the United States when injured on the job. With this protection, you will be at ease, knowing that, you have an option to file a claim for wages and medical expenses. The system can difficult to maneuver alone; however, with a workers’ compensation lawyer, it will be much easier.
About the Author: Lizzie Weakley is a freelance writer from Columbus, Ohio. She went to college at The Ohio State University where she studied communications. In her free time, she enjoys the outdoors and long walks in the park with her husky Snowball. You can find her on Twitter at @LizzieWeakley and on Facebook at facebook.com/lizzie.weakley.