When it comes to workers' comp claims, you can usually expect to have your work-related accident covered without having to spend any of your own funds. When everything goes as hoped, you employer's workers' comp carrier will pay for any medical expenses and you can stay home and get better. You, your employer, and the insurance carrier all hope that you will be able to return to work soon, and often you will be able to do so in a few days or weeks. Not all workers' comp claims unfold that seamlessly, however. Read on to learn about some possible snags along the way and how to deal with them:
- You may have an injury that your supervisor is claiming did not happen while at work and that your injury is in no way work-related. While you are fighting this claim, you must seek medical attention and keep all receipts. Your medical insurance carrier, if you have coverage, will seek reimbursement from the workers' comp carrier once your claim is approved. No matter what, get some medical attention, since failing to do so indicates an injury that is too minor to be covered by workers' comp insurance.
- You have a more severe than normal injury and you may even be dealing with a permanent injury. Some work-related injuries are more than just a broken arm, some of them can be devastatingly bad. Severe burns, amputations, head injuries, spinal injuries, and more sometimes happen in the workplace and some workplaces are filled with opportunities for catastrophic injuries. When you are the victim of such an injury, you may need to look beyond the next few weeks or months and make provisions for a settlement that will cover you for the rest of your life. When it comes to settlement negotiations, you may need to seek some professional legal assistance to help ensure that you not only get the compensation you need but that the settlement is structured to ensure the most favorable set of benefits in regards to Social Security disability.
- Your job is being threatened due to your injury and your inability to return to your work. You can only go back to work if you are cleared by your doctor, so speak to a workers' comp attorney if you feel that your job is endangered by your workplace injury. No matter what, do not return to work until you are cleared to do so.
If your claim has been denied, you may need more support. Contact a law office like Rizzi Law Group for more information and assistance.