Workers’ compensation insurance can be a lifeline for anyone with mounting bills caused by a job-related injury. These are answers to some common questions about this vital type of insurance.
What Does Workers’ Compensation Cover?
This insurance covers any injury you might sustain while performing your job, including muscle strains, bone fractures and breaks, bruises, and dismemberment. The insurance pays for medical treatment and lost wages until you can return to work.
Who Pays for Coverage?
Your employer pays the cost of workers’ compensation insurance in exchange for your agreement not to file a lawsuit if you experience a work-related injury. Companies may obtain insurance through a government-sponsored marketplace or directly from private insurers.
Do I Need a Lawyer?
Employers without insurance are personally liable for injuries their employees sustain while working. You may wish to contact a workers compensation attorney Oregon to initiate a lawsuit unless you can arrange a settlement directly with your employer. You may also need legal assistance if the insurer denies your claim.
Why Was My Claim Denied?
An insurer might deny your claims if your employer fails to submit the appropriate paperwork on time or if the insurer has insufficient evidence that your injury is work-related. Failure to receive a proper medical assessment is another reason for an unsuccessful claim.
Is My Employer Responsible for Someone Else’s Negligence?
Suppose your injury at work happened due to someone else’s negligence. In that case, you could still file a workers’ compensation claim with your employer’s insurer or, you may choose to file a civil lawsuit directly against the individual or company that caused your injury. It is necessary to decide quickly to ensure you do not miss the filing deadline for a worker’s compensation claim.
If you are confused about your rights following a work-related injury, a workers’ compensation attorney can offer clear guidance