If you are injured on the job, you should not have to bear the burden of medical costs. Employers should have workers’ compensation insurance to cover employees who are hurt because of their employment. Here, the worker comp attorneys of Spencer Law Group in Lexington, KY, answer some of the most common queries they receive from clients.
FAQ About Workers’ Compensation
Do You Qualify for Workers’ Comp?
In general, you must be a formal employee—not a freelancer—who has incurred injuries while working. Note that this doesn’t mean you have to have been on site at the job. For instance, you could have been driving to a meeting for your employer.
Is a Payout Guaranteed if These Criteria Are Met?
No, there are exceptions—for instance, if you were intoxicated or harmed yourself. Laws vary between states, so it’s wise to contact a local worker comp attorney regarding your case to see if you qualify for benefits.
Can Workers’ Comp Provide Long-Term Coverage?
Yes, this insurance can address chronic conditions, such as heart or lung issues. Say, for instance, you spend years working in a factory with improper ventilation and develop a respiratory ailment. Workers’ comp doesn’t just cover catastrophic accidents but also health problems that develop over time.
How Much Money Can You Expect?
This depends on the type and extent of your injuries. Workers’ comp can cover not only hospital and medical care, but also make up for lost wages due to time off work while recovering. You may be able to also get money for rehabilitation or skills retraining if you can’t physically return to your old job.
What If Your Employer Doesn’t Have Insurance?
When to Call a Worker Comp Attorney
When filing a workers’ compensation claim, it’s smart to get a lawyer on your side early on. They can accompany you to hearings and review paperwork to ensure you get the payout you should. If an insurance company tries to dispute your claim—for instance, by suggesting you incurred the injuries off the job—an attorney can fight back.
For help in Lexington, KY, trust Spencer Law Group. Their worker comp attorneys are characterized by their compassion, providing injured clients with the personalized, one-on-one attention they deserve. Get a look at their positive testimonials online. To request an appointment, call (859) 252-4357.