Process of Workers’ Compensation Insurance
All workers need some form of workers’ compensation insurance. The insurance covers injury sustained by a worker during an accident, covering lost wages and medical benefits. A lawyer dealing with workers’ compensation insurance needs to be involved when such an injury occurs as it is a right in Atlanta.
It is no one’s fault when it comes to facts on the insurance. In this view, the worker cannot take action against the employer in terms of suing. Blame in terms of the injury cannot be subjected to the employer. Willingly committing the accident is the only exception. Misconduct that is willful absolves the no-fault clause.
Qualifications to getting benefits from the insurance is to employees who are; part time, full time, minors, or any other person who is working under contract of hire, written or implied. Benefits involved in the insurance are; medical benefits, death benefits, and income benefits.
The overall wellbeing and health of the worker is looked into by getting medical assistance in the event that he or she is injured while on the job. One is not allowed to visit their personal physician or doctor but instead is attended by one provided by the insurance. If a worker misses seven days or more of work owing to an accident that occurred at the workplace the is warranted to receiving the income benefits. Time taken in recovering from the workplace injury does not limit payment, one still receives pay irregardless. Death benefits are pegged at burial, funeral and lost wages to the dependents.
No time should be wasted in addressing the accident or injury caused from it. The benefits are lost if one delays in reporting the incident. One forfeits the benefits associated with the insurance if a long period of time is taken in reporting the workplace accident. It is the lawful duty of the employer to take action on the accident once reported. In the event that the employer fails to honor the insurance claim, legal action should be taken through seeking the services of a lawyer specialized in workers’ compensation insurance. An appeal is filed to sort the issue of refusal of the employer to honor the insurance claim for the injured employee.
An attorney dealing with workers compensation insurance is important because they will defend the employee in the event that; they are denied coverage, released back to work before they are ready to do so or dispute arises over the nature of the accident, willing or unwilling. Pros of having an attorney is simply for advocating of the employee’s rights and claims. Atlanta workers’ compensation attorneys play a huge role in ensuring all pay is recovered, handling all necessary paperwork and filling forms in a timely manner, assist in gathering all evidence to be used and in appealing of claims that were denied by the employer. The employees are guaranteed of a channel to take when their rights in terms of compensation insurance are infringed.