In Douglasville, all workers are covered by workers compensation. Workers compensation is a type of insurance that pays you for injuries suffered on the job. Coverage starts as soon as you begin your job, and it continues no matter what kind of work you do, or what your salary or job title is. However, your employer’s insurance company may not be eager to pay your claim—even if you suffer a very serious injury. In fact, they may try to get away with paying you as little as possible, or nothing at all. To protect your rights if you or a loved one is injured on the job, it’s important to get advice right away from an experienced Douglasville workers compensation lawyer.
John Foy & Associates has been representing injured workers for more than two decades. We know how workers compensation works and we have experience getting insurance companies to pay the full amount our injured clients deserve. We’ll give you a free consultation to talk about your claim. Call us at 404-400-4000 to start your free consultation today.
How are workers compensation claims handled in Douglasville?
The government established workers compensation—commonly known as “workers comp”—to protect employees who get injured at work. All employers are required to have a workers compensation insurance policy. If a worker is injured on the job, the policy provides coverage for the injuries.
The workers compensation system is designed to achieve two things. First, it gives injured employees financial compensation for medical care and other costs of their injury. And second, because employers have insurance for this purpose, injured employees can be compensated quickly, without the need for long and costly lawsuits.
If you have been injured on the job in any way, the two most important things you need to know are:
- Workers compensation insurance is mostly paid for through deductions from workers’ paychecks. By seeking workers comp benefits, you’re getting what you paid for, not asking for a handout.
- Workers comp is often associated with industrial injuries, but you have a right to workers comp for any workplace injury, no matter where or how it occurred. Even office workers are covered by workers comp.
What will workers compensation pay for?
Workers comp can pay for all the costs of your injury, including medical treatment and compensation for time lost from work. For many common injuries, you can expect to receive payment for:
- Health care expenses, including emergency rooms, specialists, surgeries and x-rays.
- Prescription medications.
- Any necessary physical therapy.
- Vocational training to prepare you to return to work
- Expenses of traveling to and from doctor appointments, at a rate of 40 cents per mile.
- Your wages. Workers comp paychecks may be lower than your usual pay, but you won’t pay taxes on the money you receive.
If you suffer a permanent injury or continuing disability, you are eligible for other workers comp benefits. If you or a loved one dies in a workplace accident, family members also can receive benefits. A death or permanent disability is a life-altering loss that can never be recovered, but the financial benefits available under workers compensation insurance help relieve the financial pressure you face in this difficult time.
Will workers compensation cover my injury?
Workers compensation is a broad program that usually covers any injury that occurs in the workplace. For example:
- It doesn’t matter whose fault the injury was. You are covered if the injury was caused by your employer, a co-worker, a defective machine, or even you.
- It doesn’t matter how the injury happened.
- It doesn’t matter whether the injury was directly related to your work. You are covered whether you are injured by equipment or by slipping on the bathroom floor.
- Because fault doesn’t matter, you don’t have to show who’s to blame before you receive benefits.
In our law practice, we frequently see injuries related to the construction industry. Typical injuries include falls, injuries caused by falling objects, workers who have become caught between equipment, and electric shocks. However, workers comp claims aren’t limited to construction and manufacturing. We’ve handled claims from employees as diverse as office workers, restaurant staff and delivery truck drivers.
Are there some injuries that won’t be covered?
Workers compensation was created to compensate you for on the job injuries. Therefore, if your injury didn’t happen at your workplace, it’s usually not covered. But there are exceptions, and you may still receive workers comp benefits if your injury happened:
- While you were on a business trip
- When you were behind the wheel of a company car
- While you were running an errand as part of your job
- When you were at a work meeting outside the office
- When you were working remotely
If you are injured while commuting to work, your injury probably won’t be covered, unless it occurred on your employer’s parking lot or sidewalk.
Are there workers comp benefits for mental health conditions?
Sometimes. Workers compensation compensates you for physical injuries, including any side effects of those injuries. So, if you were struck by a forklift while on company premises, you would be compensated for your physical injuries and any psychological effects of being hit. But if you had a near miss and it caused you to have psychological trauma, you would not be covered because you did not suffer a physical injury.
Will I have to file a lawsuit to get workers compensation?
No. Workers compensation replaces lawsuits for on the job injuries in the City of Douglasville. Here’s why:
- A lawsuit can easily drag on for months or even years, causing financial hardship to injured workers.
- There’s no guarantee that you’ll win a lawsuit and receive compensation for your injuries.
- Many workers would be reluctant to sue their employers, but the workers compensation system takes the employer out of the mix by having the employees make claims with an insurance company instead.
Many of our workers compensation clients worry that their employers will be angry or retaliate against them if they file a workers comp claim. But because a workers comp claim is like an insurance claim and doesn’t require anyone to prove fault, we’ve found that most employers are caring and supportive. The insurance company, on the other hand, is likely to try to avoid paying if at all possible. Legal representation by an experienced workers comp attorney can help you get the benefits you need as quickly as possible.
Talk with a Douglasville Workers Compensation Lawyer for Free
Injured workers have a right to compensation, and at John Foy & Associates, we are committed to getting you what you deserve. If you’ve been hurt on the job, take advantage of our free consultation to find out how we can help. Call us at 404-400-4000 or fill out the form to your right and get your FREE consultation today.