When Is the Right Time to Hire a Workers' Compensation Attorney?
Suffering from work-related injuries can have a severe impact on your physical well-being and financial stability. It can lead to medical expenses and loss of income. Although workers' compensation insurance aims to provide financial support during these times, understanding the claims process can sometimes be challenging. In some cases, hiring a workers' comp lawyer becomes necessary to secure the benefits you deserve. This blog post will explore the situations when you might need to hire a workers' comp lawyer.
1. Your Claim is Denied
Insurance companies often deny workers' comp claims, arguing that the injury isn't work-related or you don't need medical treatment. If your claim is turned down, a lawyer can assist you in challenging the decision and building a compelling argument.
2. Your Employer Disputes Your Claim
If your employer disputes your claim, suggesting that the injury didn't occur at work or during working hours, it's time to consult a lawyer. They can gather evidence to prove the validity of your claim and fight for your rights.
3. Your Permanent Disability Rating is Disputed
The extent of your disability determines the amount of benefits you receive. If the insurance company disputes your doctor's disability rating, they might require you to undergo an independent medical examination (IME) with their chosen doctor, who could provide a lower disability rating. A lawyer can challenge this and strive to ensure you get a fair evaluation.
4. You're Unable to Return to Work
If your injury prevents you from going back to your previous job or performing any work, you might be eligible for weekly payments or a lump sum to compensate for lost wages. Insurance companies find these cases costly and will attempt to evade payment whenever they can. Seeking legal assistance can aid in negotiating a just settlement.
5. You Have a Pre-existing Condition
If you have a pre-existing condition that affects the same body part injured at work, the insurance company might try to deny your claim. A lawyer can help demonstrate that your work-related injury is separate and deserves compensation.
6. You're Receiving Other Government Benefits
If you are getting benefits from Social Security Disability Insurance, your payments may significantly decrease if you also receive workers' compensation benefits. An experienced worker's comp attorney can arrange your settlement in a way that minimizes this reduction.
7. Your Employer Retaliates Against You
In the event that your employer terminates your employment, demotes you, reduces your working hours, decreases your salary, or engages in any form of discrimination due to your filing of a workers' compensation claim, it is crucial to promptly seek the assistance of a lawyer. Retaliation is unlawful, and a skilled attorney can effectively safeguard your rights and interests.