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- The Insurance Company Denies Your Claim
The USA has generous workers compensation laws with an annual total of over $62 billion paid out in claims.
So it should be easy for employees to get compensation when they’re injured at work. If you’re experiencing difficulties with your workers’ compensation claim, something’s amiss.
If any of the below applies to you, you need a workers comp lawyer to ensure you get what you deserve.
The Insurance Company Denies Your Claim
If your employer’s workers compensation insurance company denies your claim, you need to ask some questions. It’s not unheard of for insurance companies to deny valid claims.
A workers’ compensation lawyer will help you to determine whether you should pursue the issue or not.
There’s a Dispute About Your Permanent Disability Rating
The largest workers comp payouts center on permanent disability ratings. Often insurance companies will disagree with the disability rating provided by an independent physician.
That’s why it’s important to see one of their approved workers comp doctors from the start.
If it’s too late for that, workman comp attorneys can help to ensure you get a fair settlement or convince the judge to rule in favor of your physician’s rating.
You’re Unable to Continue Working
When you’ve suffered a serious injury at work, you may need to find a new job or retire.
A good lawyer can assist you to maximize your benefits and structure your payouts so they last well into the future.
You Have Pre-Existing Conditions
Pre-existing conditions can seriously hamper your workers’ compensation claim. For example, if you have a permanent limp, and suffer a slip-and-fall accident, the insurer may claim that the limp caused the accident.
They can also attempt to prove that your current disabilities are no worse than they were before. In these complicated cases, workman’s comp lawyers are a vital ally in getting the payout you deserve.
You Can’t Get the Necessary Treatment
Medical care is expensive, so insurance companies often try to delay approving costly procedures like surgery. A workers’ comp lawyer will put pressure on them to approve the care you need faster.
You’re Already Receiving Government Benefits
If you already receive Social Security Disability Insurance or Medicare, workers’ compensation payouts can affect your benefits.
The government may reduce your SSDI benefits and expect you to put aside a portion of your worker’s compensation payout towards future medical treatment.
A lawyer can guide this process so it all works out to your advantage.
A Worker’s Comp Hearing is Imminent
If the insurance company is trying to bully you into accepting a lower settlement, you’ll need to prove your case at a workers’ comp hearing.
Since this procedure is almost a trial in itself, you’ll most certainly need the best workers comp attorney you can afford by your side.
Hire a Workers Comp Lawyer As Soon As You Can
It’s important that you don’t waste time worrying about whether you have a case and when to hire a workers comp lawyer. Contact the best workers comp lawyer you can find for advice as soon as you feel overwhelmed by the claims process.
For more information on how legal advice can help you in your life, keep reading our blog.