If you are injured while at work for any reason, you have the right to be compensated while you are recovering and the right for your medical bills to be paid under worker’s compensation insurance. Employers are reluctant to file workers’ compensations claims because they often result in higher premiums. Many insurance companies do not like to pay the expensive medical bills associated with claims because it subtracts from their bottom line. Here are a few tips to protect yourself if you are injured.
Immediately inform your supervisor.
Do not wait if you are injured. Even a seemingly minor injury can cause serious problems in the long run. Letting a supervisor know what happened immediately is paramount to getting your workers compensation claim started.
File an injury incident report and make a personal copy.
You should fill out a form stating what happened, when, how and the like. You must retain a copy of this report. Make sure this is done in your handwriting, if possible, detailing an accurate description of how the injury occurred. List any witnesses to the injury.
Seek medical attention.
Regardless of how minor your injury may seem, it is important to have it medically documented. Employers are required to allow you to see a physician for your injuries, and only a physician can make a diagnosis for you.
Keep detailed notes on everything.
Maintain a diary or journal detailing your injuries and treatment you received. Problems begin when the employer contests your claim and you do not have proof it happened at work. There exist occurrences when employers may “lose” claim reports or allow insurance to lapse. Don’t let this happen to you, and don’t rely on your memory. The best offense you have is documented evidence from medical professionals.
Do not settle until you speak to an attorney.
Insurance companies will want you to take a low settlement and close the claim. The problem with an immediate settlement is you lose rights if the sustained injury becomes chronic. Proper medical documentation can prove chronic injuries and you need a physician and attorney on your side. Don’t leave it to chance; contact a workers compensation attorney.
Getting injured at work is a great inconvenience and is never planned and you do have rights if you are hurt. Contact a workers compensation attorney and use these five helpful tips to protect yourself and your loved ones in the case of an on-the-job injury.