The Survey of Occupational Injuries and Illnesses by the Bureau of Labor Statistics indicates that private industry employers reported 2.8 million non-fatal workplace injuries and illnesses in 2019. There were 888,220 non-fatal injuries and illnesses that caused a private industry worker to miss at least one day of work. The workers compensation plans are designed to cover medical costs, wage loss, and other benefits to such employees.
Why You Need a Workers Comp Attorney
With most states mandating employers to cut out this insurance, many injured employees assume that they do not need a workers comp attorney. After all, why hire Michigan workers comp lawyers while there is a compensation system in place? Right? No, wrong.
Compensation for injuries sustained in the workplace isn’t as straightforward. The insurance company may contest the payment of a full amount. Besides, some situations may lack clarity of what caused the workplace accident. In such situations, a workers comp attorney can help protect your workers rights and ensure that you get the compensation that you deserve.
Here are five instances in which you should consider hiring a workers comp attorney:
1. You Have a Pre-existing Condition
Pre-existing conditions can quickly complicate your claim filing process. If you already had back problems before lifting off the heavy load, chances are that the insurance company may want to peg the new pain on them. You may require documented evidence to prove otherwise. Hiring can help protect your rights and ensure that you get the right compensation for the injuries sustained.
2. Your Benefits Are Denied or Delayed
Your employer may drag their feet with your claim. The statute of limitation on workers compensation is typically shorter, with most states requiring staff to report to their employers about the injuries within 30 days. The insurance company may also deny the claim without any reason, prompting an appeal. You may require an experienced workers comp attorney to help you navigate the complex legal system.
3. You Develop Symptoms Gradually Over Time
You may suffer a slight injury at work that goes unreported. The injury may get aggravated further while working, suddenly requiring urgent medical attention. Your employer or insurance company may argue that the original injury did not occur within the workplace. Your workers comp attorney may also help protect your rights due to long-term exposure to certain substances at work that may result in a chronic illness.
4. If the Settlement Doesn’t Cover All Lost Wages and Medical Bills
Your doctor may recommend a treatment that the insurance company may decline to cover. Additionally, the insurer may request an independent evaluation by a doctor of their choosing, who will most likely offer a lower rating than you deserve. A workers compensation attorney can help convince a judge that you deserve full compensation.
5. You Are Considering Applying for SSD Benefits
Social Security Disability benefits may have an impact on the amount of workers’ compensation paid out. A seasoned workers compensation lawyer can help you minimize or eliminate the offset, setting you up for a favorable compensation package.
Hire the Right Workers Comp Attorney
Contrary to common belief, workers’ compensation benefits aren’t as straightforward. As a worker injured at your workplace, you may need to hire a workers’ comp attorney to protect your rights. If you wish to discuss the circumstances surrounding your case, reach out to GM Disability Law.