Don’t Fight Workers’ Compensation Insurance Companies By Yourself
Yesterday, you went to work, punched your time card and had a great day. Today, you were hurt on the job. What are you going to do tomorrow?
The mortgage is due, bills are piling up and now you can’t work.
If you’re hurt on the job, the Workers’ Compensation system is set up to pay benefits for your injuries or illnesses so you can hold on to the lifestyle you worked to earn.
But your employer’s Workers’ Comp carrier may try to offer you much less than what you deserve. Get an experienced Workers’ Comp lawyer right away. Call on the Kentucky Courage™ at Morgan, Collins, Yeast & Salyer.
Am I Eligible for Workers’ Compensation?
If you work for a company in Kentucky, your employer is required in most cases to have Workers’ Compensation insurance. That means if you’re injured in the normal course of your job—or you developed an illness due to conditions at work—you’re covered by their Workers’ Comp policy.
Workers’ Comp has advantages for both you and your employer. It’s supposed to provide fast, crucial help to you. And it protects your employer from getting sued.
If someone other than your employer caused your injury at work, however, you may be able to sue them for personal injury.
How to File a Workers’ Comp Claim
First, you must provide notice to your employer. Have a loved one call from the doctor’s office if needed. Never wait more than a week to report your injury.
We’ve had courts say 30 days is not too late to report an injury, but don’t stretch it if you know you’re hurt.
You also face a deadline to file your claim when you’re denied benefits. In Kentucky, you have two years from the date of your accident. For cumulative trauma (like carpal tunnel syndrome), you have two years from the date you were diagnosed or last exposed to the trauma.
For black lung benefits, you have three years from the last exposure to coal dust.
Right away, follow these steps:
- Tell your employer you’ve been hurt.
- Tell your doctor how you got hurt.
- Make sure to get an “off work slip” if the doctor says you need to stay home.
- Turn that slip into your employer.
If you’re unsure whether you’re eligible for benefits or need help filing, contact us today for a FREE consultation.
What Do Workers’ Compensation Benefits Cover?
You may be eligible for more than one major type of benefit:
- Payment for lost wages
- Medical coverage for your injury
- Your choice of a doctor
- Reimbursements for travel, medical devices and prescriptions
- Payments for loss of hearing, loss of eyesight, facial disfigurement, loss of use of a limb or extremity (hand, foot, finger, arm, leg, toe, etc.)
- Access to job retraining
- Death claims if a family member died from a workplace hazar
How to Choose a Workers’ Compensation Lawyer
Some Workers’ Comp lawyers will rush your case through. They’ll tell you to “just sign the insurance company’s papers”; they won’t call you back; they won’t answer your questions; and they’ll even make you gather all your own evidence.
At Morgan, Collins, Yeast & Salyer, our Workers’ Comp attorneys work on your case like you’re a member of our family. We’ll focus on your claim so you can focus on getting better.
We also practice Social Security Disability law, so if your injuries qualify for disability benefits, too, we can help with that.
Don’t take on the insurance company by yourself. Insurance companies are used to running right over Kentuckians. But not when we step in.
If You’re Hurt at Work, Call Our Kentucky Workers’ Comp Attorneys
After you’re injured at work, a lot of times the insurance company will attempt to call you, take statements. Don’t speak to them until you speak with an experienced Workers’ Compensation attorney.
The insurance company will attempt to settle the case for pennies on the dollar. Before you talk to an insurance company, call us first. Our job is to make sure you get all the money you deserve.