Common Misconceptions About Worker's Compensation


If you are hurt while on the job, you have a right to file for worker's compensation benefits with your employer. The benefits will help you meet your financial needs while you are unable to work and also cover the medical expenses incurred because of your injury. The benefits you receive will be based on your injury type and how long you are unable to work. Before you file for benefits, you should be aware of some of the misconceptions about worker's compensation benefits. Here are some misconceptions you should be aware of:

The Injury Must Be the Fault of Your Employer

One common misconception is that your employer must be negligent in causing your injury for you to receive worker's compensation benefits. The truth is that any sort of injury incurred while you are within the scope of your employment is eligible for benefits regardless of fault.

You Injuries Must Occur on the Job Site

While most workplace injuries happen while on your job site, the location is irrelevant if the injuries occurred while you are working. If you are driving a company truck to perform a delivery and you hurt your back while lifting a heavy load, you are eligible for benefits even though you were not on the property of your employer.

You Must Accept the First Offer

While most employees accept the initial offer from worker's compensation, you have a right to negotiate your final benefits. Be sure to speak with your attorney before you begin any sort of negotiation on your settlement.

An Attorney Is Not Necessary

Your employer may convince you that your first offer is the best offer you will receive from the worker's compensation insurance. This is not always true, and you will need to work with an attorney to make sure you are aware of your rights. When you are hurt while on the job, the injuries can last you for years to come. You want to be sure you do not make any mistakes while you work with your employer's insurer. An attorney will ensure you receive a fair settlement figure.

You can file for your benefits yourself without an attorney present, but it is always a good idea to consult with an attorney. This is especially true if your injury is significant and can result in a permanent disability. An attorney is also necessary if your initial claim is denied. You have the right to file an appeal, and you will want legal representation during this process.

Contact a local worker's compensation attorney for more information. 


23 October 2019

Dealing with Estate Planning When You're Single

Too many single people assume they don't need to plan their estate. My brother fell into this category, and his unexpected passing left our entire family struggling to deal with his home, belongings, and financial accounts. It took nearly three years for the courts to set up a deal because he left no paperwork detailing how he wanted his estate divided. The situation immediately convinced me to work on my own estate, even though I'm still in my early 30's and don't have children or a spouse to worry about. Since it's a little harder to pick beneficiaries and estate managers when you're single, I collected the resources I used for making my own decisions and decided to publish them here on my blog. Use these resources before talking to an estate planning attorney so you're prepared for making hard decisions.