Injured employees still have the right to work and live on earned wages. There are many laws that protect them against discrimination or lack of compensation. To receive the necessary benefits, you have to follow the rules that involve workplace mishaps. There are at least six facts that you should know about employee injuries.
Follow the Protocols for the Best Results
Once you find out that you have an injury, fill out the right work injury forms. You will receive a list of doctors available for your selection. To carry out legal rights, keep all medical records, including appointments, hospital visits or continuing treatments. Without these records, you lose control of benefits.
Different Types of Disability Insurance Exist
Different types of disability insurance options are available for employees, such as unemployment disability, state disability and Social Security benefits. The maximum limit for a worker is usually $25,000 a month. You can buy an individual policy in case the employer does not provide one. The terms and costs vary according to the insurance provider, type of job and location.
You May Be Able to File a Lawsuit
The type of workplace injury determines the kind of legal rights you have. Most workers are eligible to receive workers’ comp insurance as long as they do not sue. If the employer did not provide this insurance, you can sue in a civil court. In addition, you can sue to receive disability benefits. This is important to make sure that you receive the benefits you are entitled to.
Workers’ Compensation is Usually the Best Option
The best way to get money out of a negligent employer is to enroll in a workers’ comp program. Most employers have to provide this insurance so that employees pay for medical bills and living expenses as they recuperate. In some states, vocational training is provided in case people have to switch careers. Without this insurance, employees are able to sue.
You Can Hire a Personal Injury Lawyer
A personal injury lawyer works for employees who have been injured because of other people’s recklessness. The responsible party could be an individual or business. A lawyer is qualified to investigate the case and find the best course of action to take. Whether you work in a factory, school or hospital, you are covered when you consult a personal injury attorney. They can help you fill out necessary paperwork and guide you through the complicated legal process, says a personal injury lawyer in Cambridge at Dietrich Law.
Discrimination Protection is Available
Injured employees do not have to be tied down by unemployment. There are laws that protect them against job discrimination. If you are denied a job, or receive less money than expected, you can request action from the Equal Opportunity Commission. You can either settle or file a lawsuit against the employer. The Americans with Disabilities Act Title I allows you to file a claim.
Injured workers should be able to receive the benefits that they deserve. If you do not follow a proper plan, you face major issues down the road. You need to provide written records of medical visits, accident complaints and lost wages. A personal injury lawyer is there to guide you throughout the process.
About the Author
Anita Ginsburg is a freelance writer from Denver, CO. She graduated from Colorado State University in 2004. When Anita isn’t writing, she enjoys spending time with her family and reading a good book.