Workers Compensation: Your Safety Net

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Workers Compensation: Your Safety Net

You put your heart and soul into your job, so it seems only fair that you should be protected from harm while you’re there. Most good employers do go out of their way to provide safety training and equipment to keep their workers safe and protected from any hazards. Federal agencies, like the Occupational Safety and Health Administration, also have standards in place for employers to follow to keep their workers safe. However, sometimes accidents happen anyway, and when they do, workers compensation is meant to be your safety net. Most of the time, if you follow your company’s procedures for filing a workers compensation claim, you’ll be paid with no trouble. However, I know from experience that it isn’t always that easy. I started this blog to help you learn what to do when your company or their insurance company denies your workers compensation claim.

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Personal Injury Law: 3 Reasons You May Fail To Get Compensation For Work-Related Injuries

It's a worker's right to get compensated for personal injuries sustained at work or illnesses contracted due to poor working conditions. But if you don't know your rights, you can lose the compensation. For instance, the insurance company can take advantage of your inadequacy in law to unlawfully reduce your pay or refuse to pay you at all. To prevent this, you need to know what to do after sustaining injuries at work. Keeping that in mind, here are some reasons you may fail to get the compensation you deserve after an injury accident at work.

Failing to Follow the Right Procedure

You should follow the stipulated procedure to receive compensation. That includes informing your supervisor about the accident and the injuries sustained. After that, you need to complete an accident report and get a medical examination to determine the severity of your injuries.

Some employers demand that their employees receive treatment from specific doctors or hospitals. You can accept this offer or visit your preferred hospital. Whatever option you choose, notify your physician that the injuries are work-related. Failing to follow the required procedure or making an error gives the insurance company a reason to reject your claim.

Having a Pre-Existing Condition before the Accident

When you develop an illness, your employer can allege that it resulted from a pre-existing condition and not due to the work environment. For example, if you have been undergoing medication for heart complications, they will try to link your present sickness to the condition. 

The law doesn't allow employers to deny employees their rightful payment because of pre-existing conditions. So if you face resistance, contact a personal injury lawyer to help you seek legal justice. They will gather evidence to prove that your medical condition worsened due to an unfavorable work environment.

Suspicions That You Sustained the Injuries Elsewhere

Your employer or manager can argue that you weren't at work when you sustained the injuries to avoid liability. The only way to counter such allegations is by providing proof, showing that you were in the business premises when you encountered the accident. Remember that you should also get compensated if you sustained injuries when entering or leaving the business premises when on duty. Similarly, your employer should compensate you if you suffer bodily harm in a collision involving the company vehicle.

If any of the above issues arise after encountering an accident at work, contact a personal injury lawyer immediately. They will take over the claim to ensure that you don't lose your compensation.