If you’ve been injured while on the job, you may have worries about paying the medical bills and losing paychecks while recovering. While these are certainly valid concerns, in all likelihood, your injury will be covered by workers’ compensation. As your lawyer can explain to you, workers’ compensation is an insurance program that most employers are required by law to carry. Contact a Westwood lawyer to learn more about workers’ compensation and to find out how to file for benefits. A law firm that specializes in workers’ compensation claims can help you get the maximum compensation you deserve.
Who Is Eligible for Workers’ Compensation?
Since workers’ compensation laws vary from state to state, it’s important to consult attorneys serving Hackensack to learn about state-specific coverage. Although many types of employers are indeed required to carry workers’ compensation coverage, this depends on the type of company and how many employees it has. Certain types of employees may not be covered under workers’ compensation, such as farm workers, temporary or seasonal employees, domestic workers, and subcontractors who do not directly work for the company.
What Can Workers’ Compensation Cover?
Your attorney will need specific information about your injury or illness and the manner in which it occurred. In order for your injury to be covered by workers’ compensation, it must have been sustained on the job or because of your work. For example, if you slip and fall in an office, a resulting bone fracture or sprain can be covered. If you work in an area in which you are exposed to pollutants or other toxins, respiratory ailments and related illnesses may also be covered. However, there are limitations on the types of covered conditions. For example, coverage will be denied if your injury is found to have been self-inflicted or sustained during activity that violated company policy. If you do have a covered injury, workers’ compensation will not only cover your medical expenses but also compensate you for a portion of your lost wages.
Should I File a Lawsuit Instead?
Under certain circumstances, your lawyer may advise you to avoid filing for workers’ compensation and instead file a personal injury lawsuit against your employer. For example, if your employer engaged in reckless or intentional actions that directly led to your injury, you could have grounds for a lawsuit.