When you have been injured in an accident and want to secure financial compensation by filing a personal injury claim, it is necessary to prove that the accident was caused by the negligence or wrongful actions of another person. If you have been injured on the job, however, this is not the case. All businesses are required to carry workers’ compensation insurance, whether by purchasing a policy or through self-insurance. In workers’ compensation claims, an injured worker is not required to demonstrate that another person caused the injury.
What Benefits Does Workers’ Compensation Cover?
When your claim for workers’ compensation is approved, your employer is required to provide you with all of the medical treatment necessary to cure and relieve you from the effects of your injuries until you achieve “maximum medical improvement”: the point at which your work-related injury has healed to a degree that it is unlikely to heal any further. If you are temporarily totally disabled as a result of a work accident, you may also be entitled to receive monetary compensation to replace lost wages and help you support your family. Additionally, if your injury does not heal to the pre-injury state and you suffer a permanent loss of function as a result, you may also be entitled to receive additional monetary compensation for your injury.
There are different types of disability benefits, depending on whether you are temporarily or permanently disabled and whether you are totally or partially disabled.
An experienced attorney from Szaferman Lakind can help make a difference in the outcome of your case by assisting you with preparing your claim and representing you throughout the process. We can also investigate the accident to determine whether you have grounds to file a personal injury or wrongful death claim, such as if a third party caused or contributed to your accident or if the injury was the result of defective machinery or equipment.