Being injured at work involves a different set of rules than being injured elsewhere. Sometimes full-time jobs come with benefits such as health insurance that provide good coverage if an employee is injured. Other times, employers offer something called workers’ compensation insurance to all their employees. Workers’ compensation is purchased ahead of time to reduce the costs of injury and prevent a potential lawsuit.
Individuals everywhere run the risk of being injured on the job—and Lamont is no different. The city of Lamont, California in Kern County is filled with workers and laborers that risk their bodies each day to make a living. It’s important that these employees have somebody looking out for them.
Workers’ compensation is a type of insurance intended to protect employees and businesses from financial loss if an employee gets sick or injured as a result of their job. Also known as workman’s comp, workers’ comp, and workman’s compensation, workers’ compensation is essential to running a company. The cost of work-related injuries can be devastating to both employers and employees. Workers’ compensation insurance offsets potentially monumental expenses that could be the difference between a business surviving or going bankrupt.
Workers’ compensation will typically cover any of the following costs:
Along with the situations workers’ comp DOES cover, it’s also important to understand the circumstances that workers’ comp DOES NOT cover. Some of the events that might occur on the job which are not covered include the following:
The situations that are and are not covered under a workers’ compensation plan differ from state to state.
The first step to filing a workers’ compensation claim is determining whether or not you qualify. The following situations warrant a workers’ comp claim:
Next, you must take the necessary steps to ensure that your employee is properly taken care of. Whether this means administering first aid, calling an ambulance, or taking them to the emergency room yourself, their safety comes first. If they request time off work for the injury, approve their request.
To move forward with filing a claim, you’ll have to start by gathering information about the event itself. Depending on the requirements of the state, you may have to collect different facts. Generally, a workers’ compensation claim will need to include the following information:
This information should be submitted to the insurance company immediately for the best results. This process is different in each state but typically follows the same steps. There may be a window of time that employers have to report the incident to their insurance company. In New York, reports must be filed within 30 days of the incident to qualify for workers’ comp.
At Chain | Cohn | Clark, our Lamont workers’ compensation lawyers are free until you win your case. We take a small percentage of your winnings to keep our attorneys paid, but if you don’t receive any money, we won’t charge you anything. Not only does this make the decision to attempt a workers’ compensation claim more accessible to you, it also incentivizes our attorneys because they DON’T GET PAID unless YOU DO GET PAID.
When Should I Settle?
There is no clear-cut number that you should aim to be offered before you accept a settlement, because the necessary benefits will depend on the nature and severity of the injury you receive. As a general rule of thumb, you should never accept the first settlement offer an insurance company provides.
While a Lamont workers’ compensation attorney is not required by law, it can be dangerous to represent yourself because insurance companies may take advantage of your inexperience. Hiring legal counsel to guide you through the steps of filing a claim and to potentially represent you during a hearing can increase the chances of you receiving the compensation you deserve. If you represent yourself, you may settle a lot earlier than you need to.
Insurance companies and employers may also attempt to argue that you are not entitled to benefits for your injury. A Lamont workers’ compensation lawyer can help you organize the necessary information to dispute their claims. Do not get bullied by larger entities, hire a reliable lawyer who’s willing to fight for your benefits.
If an employee is hurt on the job, the first thing they should do is notify their employer immediately. The employee should report the date and time of the injury with a description of how it happened. Different states have different laws about the date by which an injury must be reported; the best practice is always to report an injury as soon as possible.
If an employee experiences a work-related illness that worsens over time, it should be reported as soon as the employee receives a diagnosis or learns the illness is related to their job.
Employers will usually buy workman’s comp insurance if they do not offer benefits to their employees. While most states—excluding New Jersey and Texas—require companies to have an insurance plan, employees often opt to use their benefits if the coverage is better.
Employees do not have to pay to receive workers’ compensation benefits. Employers will pay for this insurance based on factors such as state laws, the nature of work employees do, the size of the business, and the on-the-job risks associated with working there.
Chain | Cohn | Clark has been representing individuals in the greater California area for over eight decades. With our primary location in Bakersfield, we’ve been representing employees in surrounding towns and cities for decades. Our law firm has the knowledge and connections to help workers just like you take on large corporations or insurance companies that don’t want to payout benefits.
Our Lamont workers’ compensation lawyers understand what value should be considered a “good settlement” for your specific incident. We also know the steps you need to take to procure that amount of money. From filing a claim to representing you in a court of law, we have you covered every step of the way. Reach out to Chain | Cohn | Clark for a reliable workers’ comp lawyer in Lamont, California.
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