All employers are required to carry a workers' compensation insurance policy that covers medical bills and lost wages if an employee is injured while on the clock. In the majority of cases, submitting a workers' compensation claim is a simple process that an employee can do one their own. However, there are situations where things can get complicated, and legal representation may be needed. If your workers' compensation claim becomes complicated, your best bet is to hire an experienced workers' compensation lawyer. Some of the red flags that indicate that you should hire a lawyer include:
You Claim Is Denied
When you're injured at work, it is natural to expect your workers' compensation claim to be approved without any issues. But, in some cases, either your employer or the insurance company may deny the claim. If you receive notice that your workers' compensation claim has been denied, the first thing that you should do is get in touch with the insurance company to see if an error was made.
In the event that the denial was not in error, make sure that you find out why a denial was issued. When you know that you did everything right, such as reporting the injury to your employer and promptly filing your claim, your best bet is to hire a workers' compensation lawyer to assist you after you find out that you claim has been denied.
Your Employer Retaliated After You File a Claim
Workers' compensation insurance is designed to protect employees. However, employers pay the premiums for the insurance policy, and like any other type of insurance policy, the more claims there are, the higher the premiums. When you're injured on the job, it is your right to be able to file a workers' compensation claim, and there are laws in place protecting those right. But, that doesn't mean that employers may be upset about the claim since it increases their premiums. In the event that your employer retaliates against you after you file a workers' compensation claim, immediately contact a workers' compensation lawyer.
Your Injury Is Very Serious
Sometimes, workplace injuries can be quite severe. If you are gravely hurt on the job and may be out of work for months or may not ever be able to work again due to the injury, you need the services of a workers' compensation lawyer. Your lawyer will be able to work with the insurance company to ensure that you receive a fair settlement.