There are a plethora of confusing and complicated legal terms that get tossed around when discussing the Workers’ Compensation law. The in-depth, actual meaning of terms like double indemnity, actuarial computation, statutory benefits, or earning capacity do not represent the necessary information you will have to master when seeking appropriate financial compensation for the injuries that you have suffered at your workplace.
However, to make these things clear and increase your chances of winning that compensation, you should seek a workers’ compensation attorney, who not only perfectly understands all the workers’ compensation concepts but is also capable of putting them to good use. Aside from hiring a good attorney, you should also familiarize yourself a bit with the worker’s compensation with the help of a MnLawyerUp’s guide.
The basics of Workers’ Compensation
Simply put, the Worker’s Compensation Law is a set of rules and regulations which state that an employer must provide insurance to the employees who are injured on the job. The law provides these employees with the following:
- A temporary job until they fully recover.
- Rehabilitation services
- Coverage for the medical expenses.
- Compensation for the lost work time and wages.
- Benefits in the case of death.
The primary goal of the Workers’ Compensation Law is to provide the fastest, healthiest and safest road of recovery for injured employees so that they can go back to performing their jobs at the same level they were before suffering injuries.
It protects employers too
This law also protects the businesses, and the employer’s from suffering staggering financial losses due to expensive lawsuits. Instead of engaging in costly and lengthy court proceedings, the majority of workers’ compensation cases are solved off-court, in an administrative tribunal. This way, the risk of the company being sued is lessened, and the employees can return to their workplaces sooner.
Workers’ Compensation Law vs. Personal Injury Law
It is important to note that negligence does not play a major role in the area of Workers’ compensation, as opposed to the Personal Injury law. An injured employee does not have to prove their employer’s guilt. Instead, the only thing they have to prove is that they were injured while performing their jobs. If an employee is hurt while on the job, they are entitled to compensation. It doesn’t matter if someone behaved irresponsibly or if it is someone’s fault. This is exactly why almost all business enterprises are required to be properly insured.
Filing a claim
Of course, filing a successful claim is not as simple and cut and dry as it might seem.
In many cases, insurance companies try to “force” the injured employees into accepting low or insufficient offers. They try to do this by arguing that the injury did not occur at the workplace, that it was pre-existing, or by listing much cheaper medical expenses. Even though insurance companies are paid to cover the costs of work-related injuries, they are still known to use shady tactics to find various loopholes within the system. This is exactly why you need to have an experienced attorney by your side if you want to stand a chance against big insurance companies.
A good attorney will know how to deal with insurance companies and their tactics and will do their best to ensure that you get an appropriate compensation.