Workers’ Comp Insurance: Does Your Employer Offer It?

Workers’ compensation insurance is necessary by law in the majority of the states throughout the U.S. In some states, business owners need to have workers’ compensation insurance as soon as they hire their first employee.

The laws regarding insurance coverage will differ depending on the area you are currently working in. Any worker that sustains injuries on their job can file for a workers’ compensation claim. If you ever find yourself in that situation, you can take the help of workers’ compensation attorneys in Atlanta to file the claim.

However, you might wonder whether your employer will provide workers’ compensation or not. Read on to find out the ways to know if your employer offers workers’ compensation insurance. But before that, let’s understand what happens after you file for a workers’ compensation claim.

What Happens After You File a Workers’ Compensation Claim?

If you sustain injuries in the workplace, you can file a workers’ compensation claim. Also, you need to report your injury to the employers as soon as possible. Insurance companies can take time to investigate the validity of the claim after you file it.

Since your claim is pending, you can get payments from your employer for your medical treatment. Also, the employer needs to inform the insurance companies about your injuries at the very first instance. Failure to do so can deprive you of your workers’ compensation benefits.

Verifying If Your Employer Has Workers’ Compensation Insurance or Not:

Now that you know the significance of the workers’ compensation coverage, you would like to know if your employer has one or not. Georgia has clear laws stating that each employer should have workers’ compensation even if they have a single employee.

You can check with the State Board of Workers’ Compensation to find if your employer has insurance coverage. It will help you deal with any injuries you sustain at the workplace. You can also consult with workers’ compensation attorneys in Atlanta to know more about it.

Laws Regarding Workers’ Compensation:

The workers’ compensation laws can vary from state to state. Since each state has its set of rules regarding this insurance coverage, you will have to know about the laws where you are working. It can be beneficial for you in case of an unforeseen circumstance where you sustain injuries at the workplace.

Usually, the laws regarding workers’ compensation are the same across many states. Texas is an exception since it does not mandate employers to get workers’ compensation insurance. Besides that, many states have laws that businesses need to follow.

Another critical thing to understand is that you don’t have to show that the company was negligent for getting the benefits. However, filing a lawsuit against the company if they do anything irresponsible that resulted in your injury can sometimes also be an option.

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Different Kinds of Workers’ Compensation Benefits in Georgia:

As per the U.S. Department of Labor, the employees eligible for the workers’ compensation insurance can receive various benefits. Firstly, the most imperative perk is wage coverage or replacement. If you sustain injuries at the workplace, your employer will give you a certain percentage of your weekly wage.

It will help the employee meet their expense and avoid any financial crisis while recovering from their injuries. Also, the workers’ compensation can be helpful if the sum of the compensation is above the workers’ usual pay.

Besides wage coverage, another vital type of compensation is medical expenditure. You might have to go through various treatment procedures to recover from your injuries. Medical expenses come at a cost. For that reason, you need to have workers’ compensation coverage to deal with them.

The fundamental aim of the workers’ compensation coverage is to help workers financially with their medical treatments. You can also get coverage for different expenditures with workers’ compensation insurance.

One of the most crucial things people don’t consider is the expenses for the rehabilitation services. It can take a massive chunk of your savings and might also plunge you into debt. Therefore, workers’ compensation allows you to heal from your injuries to resume your duties without having to deal with a financial blow.

Employers’ Rights and Responsibilities: Why You Need Workers Compensation Attorneys in Atlanta?

The most vital responsibility for any employer is to maintain the workers’ compensation coverage. Businesses need to have this coverage in most states throughout the U.S. Also, the employer is responsible for reporting the employee’s injuries to the insurance provider on the first notice.

However, an important thing to note is that not every injury might qualify for the workers’ compensation benefit. The company can also use the following tactics to deny your claims:

  • Challenge claims by saying your injury did not occur at the workplace
  • Tell you to go through a third-party administrator that is biased towards them
  • Make claims to undermine your compensation

These situations can arise when you file for a workers’ compensation claim, and it might be challenging for you to deal with them due to your injuries. Therefore, you need legal representation to guide you and deal with these matters on your behalf.

Lawyers can analyze your case thoroughly to find if the company is liable to pay for the claim. They will take appropriate actions to ensure you get the compensation you deserve.

Work With the Best Lawyers in Town for Your Workers’ Compensation Claim:

Matters of the workers’ compensation claim can be tricky and challenging to handle all by yourself. By having the right legal team by your side, you can get the benefits for your injuries. Also, it will save you from making any mistakes or leaving any crucial parts that can impact your claim.

Therefore, you can hire a reliable, honest, and trustworthy Atlanta injury attorney from our law firm. With years of experience, we can help you get the compensation you deserve for your injuries in Georgia. If you want a free case evaluation, you can reach out to us at 770-796-0919.

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