If you’ve got a job in Stockbridge, you’ve been covered by workers compensation insurance since the day you started work. Employers are legally required to carry this insurance for all their employees, from the top executives to the people that only make minimum wage.
Because of this, you’re automatically covered if you’re injured on the job. However, it isn’t always easy to get the insurance company to pay your claim. To maximize its own profits, an insurance company may try to minimize the amount it pays you—even if you have been seriously hurt. We often see insurers dispute the facts surrounding an injury, question the injury’s severity, or even refer injured workers to doctors who may not be acting in the patient’s best interest. These tactics leave injured employees struggling, without the financial support they are legally entitled to. If you or a loved one has been injured at work, talk to a Stockbridge workers compensation lawyer right away.
John Foy & Associates has been working for two decades to protect the rights of injured workers. We have years of experience navigating the workers compensation system and dealing with insurance companies. Let us give you a free consultation to talk about your case. Call us at 404-400-4000 and get your free consultation today.
Can you explain the workers compensation system?
The government created workers compensation—also known as “workers comp”—to help workers who suffer injuries while on the job. Workers comp has two purposes:
- To provide medical care and financial support to injured workers
- To avoid long and expensive lawsuits over workplace accidents and injuries
To meet these purposes, every employer must carry workers compensation insurance. When a worker is hurt on the job, the insurance covers the cost of the worker’s injuries.
Key things to know about workers compensation include:
- Workers comp isn’t a free handout from the government. The insurance is largely paid for by the employees themselves, through deductions from their paychecks. You have earned your benefits.
- Workers comp can cover any injury that happens at work, no matter what caused it.
What will workers compensation pay for?
Workers comp is designed to pay for all the costs of a workplace injury, including medical bills and the time you were away from work. Common benefits include:
- The cost of health care, such as doctors, hospitals, tests, x-rays and surgery.
- The cost of prescription medications.
- Physical or occupational therapy.
- Special training, if you need it in order to return to work.
- The cost of traveling by car to your medical appointments.
- A paycheck until you are able to return to work. You’ll typically receive a check that’s smaller than your usual pay, but the money you get isn’t taxed.
If you suffer a permanent injury or disability, you may be entitled to additional money. If a worker dies from a workplace injury, family members can receive benefits. A serious workplace accident is tragic, but workers compensation benefits can go a long way toward minimizing the financial cost.
Does workers compensation cover all types of injuries?
Generally yes, so long as the injury occurred at your workplace. For example:
- It does not matter who or what caused the injury.
- It does not matter how the injury occurred.
- The injury does not have to be related to the duties you perform at work. A slip on a wet floor is covered just the same as a heavy equipment injury.
- Your claim can be approved without anyone showing who was to blame.
At our law office, we see more claims from the construction industry than anywhere else. These cases include workers who fell or were hit with a falling object, workers who became caught in equipment, and workers who suffered electrical shocks. But workers comp claims can come from any industry, including businesses where everyone works in an office.
What injuries are NOT covered?
Workers comp only covers workplace injuries. Therefore, if your injury occurred outside of work, you probably don’t have a workers comp claim. There are some important exceptions though. You may be covered if your injury occurred while:
- You were on a business trip
- You were driving a company truck, car or van
- You were running an errand for your employer
- You were attending a work-related meeting at another location
- You were working remotely
You will probably not be covered if you were hurt while commuting to work, unless you were injured on your employer’s parking lot or sidewalk.
What about emotional and mental health conditions?
Workers compensation covers all the costs and effects of physical injuries that happen on the job. It does not cover mental or psychological conditions if there is no physical injury. For example, if you fell from a ladder and suffered broken bones as well as depression and anxiety, treatment for all of those conditions would potentially be covered. However, if you witnessed your friend falling and had post traumatic stress as a result, your condition would not be covered because you did not have a physical injury.
Do I have to take my employer to court to get workers comp benefits?
No. For on the job injuries, workers comp has completely replaced lawsuits in the City of Stockbridge. Lawsuits are not even allowed. The reasons for this policy include:
- Workers should be compensated quickly, but lawsuits can take months or even years.
- Workers should have guaranteed benefits, but there are never any guarantees in court.
- Workers can get benefits from an insurance company; they don’t have to ask their employer.
This last point is important because many of our clients are afraid that their employer will retaliate against them if they file a workers comp claim. In fact, most employers are very supportive, and they want their employees to get good medical treatment so they can heal and return to work. The insurance companies tend to be the opposite, trying to minimize the amount they have to pay out. That’s why it’s critical to enlist the help of an experienced workers compensation lawyer as soon as possible.
Talk to a Stockbridge Workers Comp Lawyer for free
If you’re injured on the job, you have a right to workers comp benefits. At John Foy & Associates, we believe that no worker should sacrifice a benefit that they’re entitled to by law. Let us give you a free consultation and help you get the benefits you deserve. Call us at 404-400-4000 or fill out the form to your right and get your FREE consultation today.