All workers are covered by workers compensation in Gainesville. It doesn’t matter whether you’ve been on the job one year, ten years, or if today was your first day—you’re covered. State law requires that all employees receive full workers comp coverage no matter your job title or your pay rate. If you are injured while working, you get benefits.
Unfortunately that doesn’t always mean the insurance company wants to pay up. All too often, we see workers being denied their benefits, or given substandard care or too little money, because an insurance company is worried about its bottom line. In some cases the insurer will try to get the injury diagnosed as something less severe than it really is, approve only the most basic treatment, or even call the worker a liar and claim that your injury didn’t really happen at work. Don’t let them treat you this way. If you’ve been injured at work, talk to a Gainesville workers comp attorney immediately.
John Foy & Associates can help. We have been helping workers in the Gainesville area for over 20 years, and have some of the most experienced workers comp lawyers in the state. We have grown from a small local law office to one of the largest, most respected firms in the country. Let us sit down with you for a 100% free consultation and discuss your legal options. You deserve the workers comp benefits you’re owed. Contact us at 404-400-4000 and get your free consultation today.
How does workers compensation work in Gainesville, GA?
Workers comp is a system designed to protect workers who are injured on the job. It’s a safety net that makes sure you get free medical care. Any kind of injury, from minor muscle strain to serious accidents, is covered by this program. The costs are paid for in part by the workers themselves—the money comes out of every paycheck you earn. You are guaranteed the benefits by law.
There are two reasons workers compensation was created:
- To make sure that every worker gets medical care for on the job injuries
- To resolve injuries without the need for an expensive lawsuit
Even though workers comp is your right, it is not handled by the government. It’s handled by a private insurance company. This is where many of the problems come in—insurance companies don’t want to pay a penny more than they have to, and they will work to minimize the amount of treatment you get.
What does workers comp pay for?
Workers compensation will pay a variety of costs including:
- Doctor/hospital bills. All medical treatment related to your injury is covered. This includes doctor visits, the ER, surgery, and seeing a specialist.
- Lab work and tests. Any kind of tests required to treat your injury are covered, such as MRIs and X-rays.
- Medication. All prescription drugs are covered.
- Rehabilitation. Physical therapy, occupational therapy and other forms of rehabilitation are covered.
- Travel. You can be reimbursed for your mileage traveling to and from doctor appointments and pharmacies.
- A paycheck. You will receive a paycheck equal to two-thirds of your normal pay, up to $550, until you are able to return to work.
- Disability. If you are left with a long term disability or cannot return to work, you will receive additional money.
What injuries does workers compensation cover in Gainesville, GA?
Every injury that happens at work is covered.
Workers comp is unique among employee benefits in that it covers everything, period. There is no list of conditions that qualify, and it doesn’t matter how the injury happened. It could be an injury directly related to work (injured by equipment) or a total accident (tripping on the stairs).
Most workers comp claims come from the construction industry. The most common and serious claims involve electrical shock, being struck by a falling object, or getting caught in between something. But workers in all industries can and do file workers comp claims. We have seen claims for carpal tunnel syndrome, repetitive stress injuries, and many different kinds of accidents.
What if the injury didn’t happen at work?
It’s possible that you’re still covered. If the injury happened while you were doing required work for your job, it doesn’t matter where it happened. This includes injuries:
- At meetings out of the office
- While running an errand assigned by your employer
- While driving a company vehicle
- On employer-owned property like the company parking lot
- During business travel
- Working at a third party location on your laptop or phone
If you’re not sure whether your injury would be covered, you should speak to a lawyer.
Are psychological conditions covered by workers comp?
They can be, but only if there is an accompanying physical injury. For example, if you are experiencing potential PTSD related to a physical accident at work, your PTSD treatment is covered. In some cases the psychological or emotional damage from a workplace injury isn’t obvious at first. Your lawyer can help you determine if you may be covered.
Do I have to sue the company?
No, never. In the City of Gainesville, you don’t even have a legal right to sue your employer over an injury on the job. The workers comp system is meant to completely replace lawsuits so that neither side has to get involved in a contentious court battle.
When you file a workers comp claim, you are not blaming your employer. Your claim doesn’t affect their reputation and it doesn’t cost them anything. They are not allowed to treat you any differently because of your claim, and they have no reason to—the cost of your benefits is covered by the insurance company, and your paycheck helped fund it.
Your claim is a 100% private process between you, your lawyer, and the insurance company. But you have only 30 days to report an injury from the time of your accident. You should speak to a lawyer as soon as possible.
Speak to a Gainesville Workers Compensation Lawyer for Free
You have a right to full medical care and a paycheck while you recover from your injury. At John Foy & Associates we’ll help you get it. Let us sit down with you and give you a complete consultation to discuss your claim—for FREE. Call us at 404-400-4000 or fill out the form to your right and get your FREE consultation today.