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Personal Injury Law Is More Complex Than You Think

I always assumed that personal injury cases where pretty straight forward. After being in an accident, any financial losses that you suffered would be reimbursed by the liable party's insurance company. Unfortunately, things only work this way in a perfect world. In the real world, personal injury cases are extremely complex and getting the insurance company to pay a fair settlement requires the expertise of an experienced injury lawyer. Unfortunately, it took me several months to finally seek out the legal assistance I needed. As a result, I waited much longer than necessary to get the compensation I so desperately needed. During this time, I learned more about personal injury law than I ever thought I would. It is my hope that this blog will allow me to share that knowledge with you so that you can avoid making some of the same mistakes that I did.

Personal Injury Law Is More Complex Than You Think

You May Be Entitled To A Wide Range Of Benefits Through Workers' Compensation

by Christine Wagner

You may be entitled to benefits if you're injured at work. Workers' compensation covers employees who suffer work-related injuries or illnesses. It covers hospital bills, wages, and rehabilitation. However, if you're injured at work, it's essential to understand which benefits you have access to and should pursue. 

Medical Benefits

Workers' compensation insurance consists of three main types of benefits, including medical benefits. These cover the cost of treating your injury or illness, such as doctor visits, hospital stays, medications, tests, physical therapy, and medical equipment.

You do not have to pay any deductibles or copays for these services. However, some states may limit the amount or duration of specific treatments, such as chiropractic care or alternative therapies. You may also have to use a provider network or get pre-approval for some procedures.

Lost Wages

Disability benefits replace your lost income if you cannot work because of your injury or illness. The amount and duration of disability benefits depend on the severity and type of your disability. There are four categories of disability: 

  • Temporary total
  • Temporary partial
  • Permanent total
  • Permanent partial

Each category has different rules and rates for calculating your benefits. If you aren't sure how your disability is categorized, consult with an attorney.

Rehabilitation Benefits

Rehabilitation benefits cover the cost of vocational or physical rehabilitation services that help you recover from your injury or illness and return to work. Vocational rehabilitation may include job training, counseling, education, or placement assistance. Physical rehabilitation may include exercises, massage, acupuncture, or other therapies that improve mobility and function.

How to Choose the Right Benefits

The types of benefits you can request after a work injury depend on several factors, such as:

  • The nature of your injury 
  • The state where you work and where the injury occurred
  • The type of work you do and what your earnings are
  • Your medical needs and prognosis
  • Your personal and family situation

For example, whether you will receive compensation for lost wages depends on how soon you believe you can return to work. An attorney can help you understand the benefits you are likely entitled to.

How to Pursue Workers' Compensation Benefits

To pursue benefits, you should:

  • Report your injury as soon as possible
  • Seek medical attention from an authorized provider
  • Follow your doctor's instructions and treatment plan
  • Track your medical records
  • Cooperate with any requests from the insurer
  • Consult with a lawyer so you can be informed of your rights

Workers' compensation benefits can help you cope with the financial and emotional impact of a work injury or illness. However, navigating the system can be confusing and challenging. That's why it's important to know what types of benefits you can request and how to choose the right ones for your situation.

Contact a local workers' compensation attorney to learn more.