Workers' compensation insurance is a type of insurance policy designed to protect employees in the event that they are injured while at work, and all employers are required to carry this type of insurance. In many cases, employees can deal with filing for these benefits on their own with no major problems. With standard claims, an employee's medical expenses will be paid and the employee will be reimbursed for any lost wages due to with missing work due to a workplace injury. However, there are more complex workers' compensation cases, and in some situations, it can be in a person's best interest to hire an attorney. Some of the top reasons to hire an attorney to assist you with a workers' comp claim include the following:
Your Claim Is Denied
When you're injured at work, you will required to fill out paperwork explaining how the injury occurred and what the nature of the injury is, along with supporting medical evidence from your treating physician. If you have submitted all information that your employer's insurance company has requested and your claim is still denied, hiring a workers' compensation attorney is a good idea. The attorney will communicate with the insurance company to discover why your claim was denied and then do whatever is necessary to appeal the denial and ensure that you receive the damages that you are entitled to.
You Have a Pre-Existing Condition
Getting a workers' compensation claim approved can become much more difficult if you have a pre-existing condition that affects the same area of your body that was hurt when you were injured at work. For example, if you have a history of being treated for back problems and then you further hurt your back after slipping and falling on unmarked wet floors at work, your employer's insurance company may attempt to blame your injures on a pre-existing condition. If you are dealing with this, it is essential to hire a workers' compensation attorney to represent you.
Your Injury Resulted in a Permanent Disability
Unfortunately, some workplace injuries can result in permanent disabilities. When this happens, the first thing you should do is hire an attorney. In the event of permanent disability due to a workplace injury, you may be able to apply for Social Security disability benefits, but receiving damages from the insurance company and benefits from the government can become quite complicated. Sometimes an insurance company may dispute that your workplace injury caused permanent disability, which can also be an issue. When it comes to permanent disability, you need an experienced workers' compensation attorney on your side.