Many employees make an assumption that if they’re hurt on the job, they’re automatically covered under their employer’s workers compensation insurance. Though these insurance policies are put into place as a financial means to cover the cost of medical expenses and disability for an injured employee, the insurance company is not in the business of handing out high payouts to the injured. In fact, it is their jobs to try and get your claim as low as possible to minimize the expense to their company.
So, if you’ve been injured on the job, and believe that filing a claim would be as simple as making a report, visiting the doctor, and collecting a check, you may want to consider these reasons to hire a workers compensation lawyer San Antonio, or whichever city you live in to provide guidance.
Protect Your Rights
Are you aware of your rights as an employee should something happen to you while you’re working? Most employees don’t have this knowledge and it could work against them when filing a claim. The adjuster could easily state the claim isn’t legitimate and refuse to cover it. An attorney would ensure that your claim is heard.
Ensure You Get Benefits
While you’re out of work recovering from your injuries you are supposed to be provided a weekly payment. This payment is essentially determined by getting an average of your weekly pay. Your attorney will see to it that the adjuster calculates this rate right so that you can live comfortably during recovery.
Third Party Liabilities
Was your workplace injury caused by another employee, a supervisor, or the employer? If so, you may be entitled to file a civil suit against the third party to get compensated for their actions. A workers compensation attorney is skilled on how to review an incident report and discern if there are any third parties you should be looking at so you can get as much financial compensation as possible.
When dealing with major insurance companies and adjusters who have years of experience in finding loopholes and trying to get around paying claims, it is best to consult a legal professional. A workers compensation attorney will have your best interest at heart and is trained to handle complicated insurance agencies and employers. They’ll see to it that you get every dime you’re entitled to so that you can recover without the stress of finances.