If you have a job in East Point, you’re probably covered by workers’ compensation. This means that if you are injured, you can recover money to pay for your care—no matter what type of job you have.
But workers’ compensation insurance companies make it harder to get benefits than it should be. They want to make a profit, so they’ll try to pay you as little as possible. They may say you weren’t really hurt badly, or question the way you were injured.
These tactics can leave you with no benefits—even though you’re legally entitled to them. If you have been hurt on the job, you need to talk to an East Point workers’ compensation lawyer right away.
John Foy & Associates has been helping injured people get workers’ compensation for more than 20 years. We know how the system works and we know the tricks the insurance companies like to pull. We understand what it will take to get them to pay you what you deserve. We will give you a free consultation to talk about your claim.
Call us at 404-400-4000 and get your free consultation today.
How does Workers’ Compensation Work in East Point?
If you are injured at work, you are protected by the government’s workers’ compensation program. The program, also known as “workers comp,” was created for two purposes:
- To provide health care and financial support for injured workers
- To help workers without forcing them to go through slow and expensive lawsuits
The law requires all employers to carry workers’ compensation insurance. If a worker is injured on the job, the insurance pays the cost.
There are two important features of workers’ compensation that make it different than other insurance or government programs:
- It is not a government handout. Employers deduct money from workers’ paychecks to help pay the insurance premiums.
- You have a right to workers’ compensation any time you are injured at work. It doesn’t matter how it happened.
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What Will Workers’ Compensation Pay for?
You are allowed to recover ALL of the costs of your injury in a workers’ compensation claim, including money you lost if you had to miss time from work. Typical benefits include:
- Medical expenses, such as doctors, hospitals, tests and surgery
- The cost of prescription medications
- Physical therapy
- Vocational training to allow you to return to work
- Mileage reimbursement for travel to and from medical appointments
- A paycheck until you can go back to work. Most of the time, this will be less than your usual pay, but it will be tax free
If you have a long-term disability or a permanent medical condition, you may be eligible for more benefits. If you have lost a family member in a workplace accident, there are benefits for that as well. Money can’t undo a devastating workplace accident, but it can give you financial stability as you work toward putting your life back together.
What Kinds of Injuries Can I Get Workers’ Compensation for?
The basic rule is that any injury is covered, if it happens at work. This means that:
- You can get workers’ compensation no matter who or what caused your injury
- It does not matter how the accident happened
- It does not matter whether the injury was related to the work you do. That means you’re covered even if you slipped and fell in the break room.
- You do not have to prove who was at fault—all that matters is that you were injured at work
We see injuries in all kinds of occupations and professions, but the largest number seem to come from the construction industry. Construction workers face many hazards, including falling debris, equipment accidents, and electric shocks. We also have helped office workers, restaurant employees and people in many other industries recover workers’ compensation benefits.
What Injuries Are Not Covered by Workers’ Compensation?
Workers’ compensation is designed to protect workers who are injured on the job. Therefore, injuries that happen away from your workplace are usually not covered. However, there are exceptions. For example, you may be eligible for benefits if you were injured in one of these situations:
- During business travel
- While driving a company vehicle
- While running an errand off-site for your employer
- At an off-site work meeting
- While you were working remotely
If you were injured while traveling to or from work, you are probably not covered. However, if your injury happened in your employer’s parking lot or on the sidewalk outside your workplace, it may be covered.
Can I Get Money for Psychological Injuries?
The general rule is that you can only get workers’ compensation benefits for physical injuries—including their side effects. This means that if you were physically hurt and also have emotional trauma or other psychological issues related to your injury, your mental health treatment is covered. But if your injures are only psychological, they are not covered.
Will I Have to Take My Employer to Court to Get Workers’ Compensation?
No. When a worker is injured on the job, workers’ compensation replaces lawsuits in the City of East Point. In other words, you cannot sue your employer. This system protects workers and makes it easier to resolve claims.
- If workers had to file lawsuits, they could potentially wait years to get any benefits.
- You can never be sure of winning a lawsuit.
- Workers’ compensation means that you don’t have to blame your employer. You’re just making a claim with an insurance company.
Many workers are afraid their employers will take action against them if they file a workers’ compensation claim. But in our experience, most employers are happy to see their workers getting money to pay for the care they need. The insurance companies are the ones who try to find ways to avoid paying claims. To level the playing field with the insurance company, it’s important to have a lawyer working on your claim.
Talk to an East Point Workers’ Compensation Lawyer for Free
At John Foy & Associates, we have decades of experience helping injured workers get the money they deserve. Let us give you a free consultation to answer your questions and help you get started with a claim.
Call us at 404-400-4000 or fill out the form to your right and get your FREE consultation today.