Workers’ compensation is an important part of any business’s plan for reducing risks. It gives workers a way to seek compensation if they get hurt on the job.
Workers’ compensation insurance is usually handled by a third-party carrier, which pays out claims and defends the insured if a claim is made against them. However, it is common for businesses to self-insure, which means they take responsibility for all injuries that happen at work. For this to happen, employers must always keep a certain amount of money in their workers’ compensation accounts.
Due to how popular workers’ compensation is, there are many myths about how it works. So, the goal of this article is to bust some of the workers’ compensation myths that are out there. Even though many of these things are true, they are not always true, which can cause confusion and even lawsuits.
I can get workers’ compensation on top of any health or disability benefits from my employer.
Fact: With the exception of regular payments or medical attention, you won’t be able to get any additional benefits on top of what your employer’s plan or the insurance company gives you.
Workers’ compensation is not available to people who only work part-time.
Fact: If you are a traditional worker and get hurt on the job, even if you only work part-time, you almost always have access to a workers’ compensation system through your employer’s insurance policy. If you get hurt on the job, and your company doesn’t have workers’ compensation, you can still sue your employer to pay for your medical care and other benefits.
I don’t need a lawyer to help with my Workers’ Compensation claim.
Fact: When you need money because of an injury at work, the best way to get as much money as possible is to hire an experienced lawyer.
Lawyers at an emergency rate, which is capped in many states, handle workers’ compensation claims. You can be sure that you will only pay a portion of your financial settlement if your lawyer can get you the benefits you deserve.
To ensure you get all the benefits you are legally entitled to, you must not only file correctly but also make sure your employer or their insurance company doesn’t try to end your benefits early. If you get hurt at work, you may be entitled to fair compensation, but getting that money without the help of a lawyer can be like trying to get water out of a rock.
At San Gabriel Valley, our lawyers have been helping people who have been hurt on the job for years. We’ve dealt with claims in many different fields and will do everything we can to protect your rights. Call (626) 602-9483 to get a free review.