If you are injured on the job in Albany, you are most likely covered by workers compensation insurance. Workers compensation coverage begins on the day you start work, and it applies regardless of your occupation or job title.
However, even though you are covered, workers compensation insurance companies may not be eager to pay your claim. Insurance companies operate for profit, and they often try to pay as little as possible to people who have been injured. They may dispute the facts, try to make it seem as though you are exaggerating your injuries, or send you to the wrong doctor. This can mean that you go without benefits—even though they’re legally guaranteed. If you or a loved one has been hurt at work, you should talk to an Albany workers compensation lawyer right away.
At John Foy & Associates, we have been helping injured workers get money for their injuries for more than 20 years. Our lawyers know how the workers compensation works, and we’re familiar with the tricks insurance companies use to avoid paying claims. We’ll give you a free consultation to show you how to get the compensation you deserve. Call us at 229-232-867800 and get your free consultation today.
How does workers compensation work in Albany?
Workers compensation, also known as “workers comp,” is insurance that covers people who are injured at work. The government set up workers comp with two goals in mind:
- To get injured workers the money they need to pay for medical care and compensate for lost paychecks.
- To enable workers to get compensation without having to file slow, expensive lawsuits against their employers.
The law requires all employers to carry workers compensation insurance. When an employee is injured on the job, the insurance is available to pay for the employee’s medical care and other costs.
If you are injured on the job, there are two things you should know about workers comp:
- It isn’t a handout from your employer or the government. Most employers finance workers compensation insurance by taking money out of your paycheck each month. You helped pay for this insurance, so you should be able to benefit from it.
- It does not matter how your injury happened. If it occurred on the job, workers comp should cover it.
Will workers compensation pay all my costs?
Yes, as long as the injury happened while you were working. Most people are able to recover these types of costs:
- Medical expenses
- Expenses for medications
- Physical therapy related to your injury
- Vocation training, if you need it to be able to return to work
- Mileage for your trips to and from medical appointments
- Pay for the time you are out of work because of your injury. This paycheck will probably be smaller than your usual paycheck, but it is tax free.
If you are unfortunate enough to become disabled or have a long-term medical condition because of your injury, you may be entitled to additional money. Benefits are also available to family members who have lost a loved one in a workplace accident. Of course, money cannot begin to truly compensate you for a tragic loss, but we have found that it does ease financial stress and make it easier to begin rebuilding your life.
What injuries are covered by workers compensation in Albany?
Just about any injury that happens at your job is covered.
- You are covered regardless of who caused your injury
- You are covered regardless of how the injury occurred
- You are covered regardless of whether the injury was related to your job duties. It doesn’t matter whether you were injured operating machinery or because you tripped on the stairs.
- You do not have to blame anyone or argue about who is at fault
Many of the people who come to us with workers comp claims are in the construction industry. Construction employees face many hazards: they can be hit by falling objects, can fall from high places, may get caught in machinery, or may suffer electrical shocks. But that doesn’t mean that construction or industrial workers are the only ones who have workplace injuries. Office employees, restaurant staff, delivery drivers, and people employed in many other occupations also be hurt on the job.
What injuries does workers comp NOT cover?
Workers compensation is designed to compensate employees for workplace injuries. Therefore, if your injury didn’t happen at work, it probably isn’t covered. There are a few exceptions to this general rule, however. You may still have coverage if:
- You were injured while on a business trip
- You were injured operating a company vehicle
- You were hurt while running an errand for your employer
- Your injury happened at an off-site meeting for work
- Your injury occurred while you were working remotely
If your injury occurred while you were commuting to or from work, however, it is probably NOT covered. There may be coverage for an injury that happened on your employer’s sidewalk or in the parking lot.
Can I win money for emotional or psychological harm?
Sometimes. Workers comp covers all the damage associated with a physical injury, including psychological or emotional issues stemming from an injury. So, for example, if you suffer post-traumatic stress disorder after a disabling industrial accident, your mental health treatment would be covered. Unfortunately, workers compensation will not cover you if you suffer a psychological condition without any accompanying physical injuries.
Can I get workers compensation without suing my employer?
Yes. In fact, under the workers compensation system, you are not even allowed to sue your employer in the City of Albany and Dougherty County. There are several reasons that lawsuits are prohibited:
- A goal of workers comp is to get employees the money they need as soon as possible. It is a much faster system than lawsuits.
- Workers compensation is reliable, whereas it’s hard to predict the outcome of a lawsuit.
- Workers compensation makes it possible for employees to recover money without having to blame or fight against their employees. Claims are with an insurance company, not the employer directly.
Many people who are injured on the job are reluctant to make a claim. They worry about angering their employers or losing their jobs. In fact, we find that employers are often happy to help, and are glad that their workers can recover money to get the care and treatment they need. The insurance companies, on the other hand, are likely to be resistant to paying. That’s why we recommend that you get a qualified lawyer to help with your claim right away.
Talk to an Albany Workers Compensation Lawyer for Free
As an employee, you have a right to workers compensation benefits if you are injured on the job. At John Foy & Associates, we don’t want to see anyone lose benefits they’re legally entitled to. Let us give you a free consultation to talk about your injury and your options. Call us at 229-232-86780 or fill out the form to your right and get your FREE consultation today.