There are few situations where an employer is not legally required to carry workers’ compensation insurance. It is a no-fault policy designed to pay benefits to an injured worker following a work-related accident while also protecting the employer from being sued by the employee. Since fault and liability are not central variables to this type of claim — unlike a personal injury claim — the process is much less contentious and focuses more on getting the injured worker the money they deserve. However, this does not mean that your workers’ compensation claim will lead to you getting all of the money you are owed without putting in a substantial amount of work on your end. That is why hiring an attorney for this process is one of the best ways to resolve your workers’ compensation issues successfully.
Many people think about the benefits of working with an attorney but never take the next step to partner with one. While others attempt to find an attorney in their area but are unsuccessful in connecting with one who is available to take their case. While trying to manage the impacts of a serious work-related injury, this step can understandably fall by the wayside until it’s too late, which is why 1-800-Injured makes it easy for injured workers to connect with workers’ comp lawyers in their area.
Contact 1-800-Injured To Connect With a Workers’ Compensation Attorney in Tampa For a Free Consultation
1-800-Injured is an attorney and medical referral service. Before moving forward with your claim on your own, we encourage you to reach out to us so we can connect you with a lawyer in your area who can help you make sense of your situation.
If you have been hurt at work or while performing work-related duties, then you may be entitled to a range of benefits through a workers’ compensation claim. While a workers’ comp claim is a simpler process than seeking compensation through a personal injury claim, working with an attorney is the best way to ensure that all of your losses are accounted for before your final benefits package is approved and disbursed.
Read more below to understand better how a workers’ compensation claim works, and contact us as soon as possible to connect with an attorney in Tampa today.
What Is Workers’ Compensation?
Workers’ compensation, commonly referred to as workers’ comp, is an insurance policy that protects both workers and businesses from the significant financial impacts they may experience after a workplace accident. Workers’ compensation protects an employee by paying for a range of financial impacts and losses such as their lost wages, medical costs, and any potential vocational education expenses if the injured worker is not able to return to their former line of work. In addition, workers’ compensation pays death benefits such as funeral costs to the deceased’s family in the event of a fatal accident.
In addition to guaranteeing financial protection for a worker, this policy also protects a business from personal injury lawsuits filed by employees after a workplace accident. These types of accidents have the potential to be devastating for everyone involved, and workers’ compensation alleviates the possible losses for all parties.
When Does Workers’ Compensation Coverage Apply?
If you have been involved in a workplace accident or suffered an injury while performing work-related duties, then you are likely covered by your employer’s workers’ compensation policy. While it may seem obvious, you must be an employee to be eligible to file a workers’ compensation claim.
OSHA, or Occupational Safety and Health Administration, categorizes a work-related accident as, “an event or exposure in the work environment either caused or contributed to the resulting condition or significantly aggravated a pre-existing injury or illness. Work-relatedness is presumed for injuries and illnesses resulting from events or exposures occurring in the work environment unless an exception specifically applies.”
Situations Not Covered By Workers’ Compensation
The following are just a few common accidents that are exempt from coverage under a workers’ compensation policy:
- Injuries sustained in a fight that the employee initiated
- Injuries sustained due to intoxication
- Intentional injuries
- Emotional trauma that is not the direct result of a physical injury
- Injuries sustained while performing tasks not related to work
How To Get The Money You Deserve After a Work-Related Accident
If you have been hurt or have lost a loved one in a work-related accident, then there are many different benefits you may be owed through workers’ compensation. However, it’s important to keep in mind that the agent assigned to your claim has a number of other claims they are working on, and will not be able to give you their undivided attention to ensure that every benefit is included. Either you or your attorney will need to go through all of the details of your situation in order to identify and calculate the many impacts of your accident to ensure that each is fairly compensated.
If you have suffered from a long-term injury, then the impacts of this injury will need to be calculated to account for the rest of your life as your future income may suffer as a result of this injury. This is just one example of many that will require an in-depth analysis of both the current and future financial impacts of your accident that an attorney will be able to perform on your behalf.
We encourage you to reach out to us as soon as possible so we can schedule a free consultation with a workers’ compensation lawyer in Tampa for you. During your consultation, the attorney will be able to give you a clearer understanding of how they can help you move forward in your unique situation. They can also provide you with examples of past cases they’ve handled that were similar to your own. Knowing that there is someone ready to help can give you peace of mind as you look towards the future and focus on your recovery.