Workers’ compensation is a vital component of any business’s risk management program. It provides employees with an avenue to seek compensation if they are injured on the job.
Workers’ compensation insurance is generally handled by a third-party carrier who handles the claim payment and defense of any workers’ comp claim filed against the insured, however, it is common for businesses to self-insure, taking on the liability of all workplace injuries. To do this, employers must have a certain amount of money in their workers’ compensation account at all times.
There are many myths about the working of Workers’ Compensation due to the popularity of this topic. Hence, the purpose of this article is to dispel some of the myths that abound in the workers’ compensation arena. While many of these statements have a basis in fact, they are not always true and can lead to confusion and litigation. This article will discuss some of the most prevalent myths concerning workers’ compensation and attempt to set the record straight.
I am entitled to receive workers’ compensation, in addition to my employer’s health or disability benefits.
Fact: You are not entitled to receive any additional benefits beyond those provided by your employer’s plan or insurance provider, other than weekly payments or medical care
Part-timers are not eligible for workers’ compensation.
Fact: Simply put, if you are a traditional worker, even if you work part-time and get injured on the job, you are almost certain that you have access to a workers’ compensation system through your employer’s insurance policy. If you are injured at work and your company does not have workers’ compensation coverage, you can still file a lawsuit against your employer to pay for your health care and benefits.
I do not need a Workers’ Compensation attorney to help me with my claim. I can do it on my own.
Fact: When you need to get financial compensation for an injury at work, hiring an experienced attorney is the best way to maximize your financial recovery.
Attorneys handle workers’ compensation claims at an emergency rate (and these rates are capped in many states), you can be sure that you will only pay a portion of your financial settlement if your attorney can provide the benefits you deserve.
To make sure you get all the benefits you are legally entitled to, you must not only file correctly but also make sure that your employer (or their insurance company) does not try to terminate your benefits early. If you’ve been injured at work, you may well deserve fair compensation, but getting that financial support without qualified legal help can be like squeezing water out of a stone.
If you or your loved one suffers from a workplace injury, and are looking for legal advice and guidance by Workers Compensation Attorney in California, we at Gaylord and Nantais have your back. At Gaylord & Nantais’ attorneys, we have more than 40 years of expertise in successfully representing people who have been hurt on the job. We have experience with claims in a variety of sectors and will do our utmost best to protect your rights. To get a free evaluation, call Gaylord & Nantais Attorneys at (562) 561-2669 or (213) 732-3436