When you are injured at work, you are entitled to workers’ compensation benefits regardless of fault. The workers’ compensation system was designed to make sure workers are protected financially in the event of a workplace injury. Benefits are paid by your employer’s workers’ compensation insurance. Following an injury, the insurance company will usually try to settle quickly to minimize its costs. It is in an injured worker’s best interest to hire a worker’s compensation attorney. The lawyers at Keys Law Offices are highly experienced in negotiating and litigating workers’ compensation claims. With the help of a qualified attorney, you are more likely to get the settlement you deserve.
Types of Workers’ Compensation Claims
Workers’ compensation claims may be brought for any workplace injury. Here are some of the more common types of claims:
- Airline Worker Injuries
- Construction Worker Injuries
- Factory/Warehouse Worker Injuries
- Healthcare Worker Injuries
- Office Worker Injuries
- Railroad Worker Injuries (FELA)
- Repetitive Trauma Injuries
- Shipping/Trucking Worker Injuries
- Third Party Causes of Action
Workers’ Compensation Benefits
State laws govern the distribution of workers’ compensation benefits and outlines the rights of injured workers. In most cases (depending on the State), injured workers are entitled to:
- Medical expenses – 100% of all medical expenses are covered. No deductible or co-insurance payment is required.
- Temporary Total Disability (TTD) – If you need to be off work to heal from your injuries, you are entitled to a weekly lost wage benefit. This sum is calculated based on two-thirds of your average gross weekly wage.
- Partial Permanent Disability (PPD) – Also known as a lump sum settlement, this benefit is meant to compensate you for your injuries if you suffer from partial loss of the use of a body part. The amount of these benefits is determined by what body part is permanently impaired and how that will affect your life.
- Permanent Total Disability (PTD) – If your injury leaves you unable to do any kind of work or you lose two of the same body parts (i.e. both hands), you are entitled to benefits for life. These benefits are also based on two-thirds of your average gross weekly wage.
- Wage Loss Differential – If your injury prohibits you for doing your job and you must take a lower paying job, you may be entitled to a benefit equal to two-thirds of the difference between the average gross weekly wages of each job.
- Vocational Retraining – If you cannot return to your job because of your injury, you may be entitled to compensation for retraining in another occupation.
- Survivor benefits – If a worker is killed on the job, his or her dependent heirs are eligible for workers’ compensation benefits.
If you have been injured in the workplace, call us today to discuss your workers’ compensation claim.