Fairmont Workers’ Compensation Lawyer
Workplace injuries and illnesses are a common occurrence. Thankfully, most employees who live in Fairmont have the right to workers’ compensation benefits when they suffer an injury on the job.
The state workers’ compensation system is intended to compensate workers for work-related injuries or illnesses. This is a “no-fault” system, meaning compensation could be available regardless of who was responsible for the damage. However, employers and their insurance companies may still use everything they have to avoid paying benefits claims.
An experienced injury attorney could help you dispute insurers who deny you of your entitled restitution. The claims process could be easier and more successful with a Fairmont workers’ compensation lawyer assisting you.
Availability of Coverage
While most employers are required to carry workers’ compensation insurance, there are some exceptions written into the law. These exemptions make up a small percentage of the workforce but are important to note when filing a claim. Some examples of employers that do not need to provide workers’ compensation coverage include:
- Small agricultural employers
- Employers of domestic help
- Employers of pro athletes
- Temporary state workers
Another factor in deciding the legitimacy of a workers’ compensation case is the nature of the injury itself. This specific type of insurance policy most likely only covers injuries or illnesses that occur while working. Certain injuries, such as an incident during horseplay, are not covered even if they occur at work.
A Fairmont attorney could provide in-depth insight into whether an injury is covered by workers’ compensation.
Potential Benefits of a Workers’ Compensation Claim
The potential benefits of a successful workers’ compensation claim are classified into two primary categories: medical benefits and disability payments.
Medical benefits cover the full cost of any injury-related treatment. There is no hard limit on these benefits, and a worker could need to receive them for as long as medical treatment is necessary. The medical expenses that workers’ compensation could potentially include:
- Hospital or emergency room bills
- Medical devices
- Prescription drugs
- In-home care
- Rehabilitation services
Additionally, a worker could be reimbursed for mileage for the distance they traveled to the doctor.
Disability payments replace workers’ wages that are lost due to injury. Disability benefits could be either temporary or permanent.
Temporary disability benefits provide weekly payments to injured employees while they recover from their injuries. Typically, these benefits make up two-thirds of the worker’s wage before the injury. Unless the doctor determines the worker will never fully recover, temporary benefits will last until a worker can return to the job, or for two years – whichever comes first.
Permanent disability benefits can last a lifetime. This form of compensation is available to workers when their doctor determines they will never be able to return to their job. A seasoned Fairmont lawyer could help with a workers’ compensation claim regardless of the type of benefits sought.
When a claim is successful, an injured worker could begin receiving benefits for either type right away.
Talk to a Fairmont Workers’ Compensation Attorney Right Away
If you have suffered from an occupational injury or illness, you could have a valid claim for benefits through the worker’s compensation system, even if you were responsible for the accident.
In many cases, your employer or their insurance company may look for ways to deny your claim. To protect your legal rights, contact a Fairmont worker’s compensation lawyer to pursue your entitled reimbursement.