Stands Up to The Insurance Companies to Protect Your Rights

Stands Up to The Insurance Companies to Protect Your Rights

Savannah Workers’ Compensation Lawyers

If you become injured or ill while on the job, you could file a claim with your employer’s workers’ compensation insurance. At Chris Hudson Law Group, we know how to get our clients the maximum benefits they deserve. If you’re unable to return to work, you should receive assistance so you can afford your medical treatment and living expenses.

We care about the clients we work with and will fight hard to protect your rights. You can depend on us to work efficiently to resolve your case and help you get back on your feet. Our Savannah workers’ compensation lawyers will handle every aspect of your case so you can focus on recovering. We’ll remain by your side from the beginning to the end. Call us today at 706-863-6600 for a free consultation to discuss your job-related injury or illness.

Occupational Injuries Can Happen to Anyone

Anyone can get hurt at work. Even someone with a desk job can suffer injuries that make them eligible for workers’ compensation benefits. Accidents happen every day, and if you act fast, you can secure your rights to benefit payments.

The most common types of accidents that lead to occupational injuries include:

  • Slip/trip and fall: Whatever industry you’re in, you probably encountered a wet floor or hazardous item in your path that could cause injuries from falling. Employees who slip/trip and fall often suffer from these injuries:
  • Broken or fractured bones
  • Sprained ankle
  • Cuts or wounds
  • Traumatic brain injury
  • Back and neck injuries
  • Repetitive motion injury: If you’re performing the same task repeatedly, such as typing data on a computer or loading heavy boxes onto a delivery van, you could suffer this type of injury. Common repetitive motion injuries include:
  • Tendinitis
  • Carpal tunnel syndrome
  • Pulled or strained muscle
  • Dislocated joint
  • Falling objects: Most often, falling objects cause injuries in construction and industrial settings. Materials, such as beams or scaffolding, could fall onto an employee, resulting in a severe head injury.
  • Toxic chemicals: If you’re working in an industry that requires exposure to hazardous substances, you could develop a disease. For example, inhaling asbestos particles can lead to mesothelioma.
  • Fall from heights: If you’re working on a ladder, lift, crane, or another object that lifts you high off the ground, you could fall if there isn’t a protective guard or harness. Fall injuries typically include broken bones. In many cases, death can occur.
  • Fires and explosions: Combustible materials, open flames, and faulty gas lines can cause a fire or explosion. When that happens, injuries can range from minor burns to permanent disability. Common examples are:
  • Burns
  • Crush injuries
  • Internal damage from inhaling toxic substances
  • Loss of vision or hearing from the blast

If you became hurt or ill while on the job, you could be entitled to worker’s compensation benefits under your employer’s insurance policy. Be sure to consult with an experienced worker’s compensation attorney to make sure that you get the full and fair benefits to which you’re entitled.

How Does Workers’ Compensation Insurance Work?

In Georgia, it’s a legal requirement for business owners to provide their employees with workers’ compensation insurance. If you get sick or hurt while completing the tasks of your job and can’t return to work, you can apply for benefits through your employer’s policy.

Two main types of benefits are available: income and medical. Income benefits provide supplemental payments at a portion of your average wages. Since you can’t earn a living, this coverage will allow you to pay for your expenses and support your family while you’re unable to maintain employment. With medical benefits, you can cover the cost of your medical treatment.

Income Benefits

Income benefits provide wage relief to workers who can’t return to their job or can’t perform their duty to full capacity. Depending on the type of injury or illness you suffered and how severe it is, you could collect one of the four following types of income benefits:

  • Temporary partial disability: If you can return to your previous place of employment but have limited abilities, you would qualify for temporary partial disability. Working fewer hours or taking on different responsibilities can diminish your usual wages. With TPD benefits, you’ll receive two-thirds of the difference between your wages before and after your injury occurred. Your weekly payments will stop after 350 weeks, or if your doctor places you at maximum medical improvement (MMI).
  • Temporary total disability: If you’re out of work for at least seven consecutive days, you will qualify for temporary total disability benefits. You’ll receive weekly payments at two-thirds of your average weekly wages before your work-related accident. Benefits will continue for a maximum of 400 weeks or if you reach MMI, whichever comes first.
  • Permanent partial disability: If you can maintain some type of employment but your injury or illness caused permanent damage, you can file a claim for permanent partial disability benefits. Your weekly payments will be two-thirds of the difference between your pre and post-injury wages. The duration of these benefits will depend on the body part affected and how severe it is.
  • Permanent total disability: You’re eligible for permanent total disability benefits if your injury is debilitating, such as loss of limb, paralysis, or blindness. If your doctor determines you will never have the ability to work again, you could receive weekly payments for the rest of your life.

Follow These Steps if You Suffer an Occupational Injury or Illness

If you want to protect your rights and ensure you’re able to collect workers’ compensation benefits from your employer’s insurer, you should complete each of these steps. If you miss a deadline or submit incomplete documentation, the insurance company could deny your claim.

  1. Let your employer know about the incident that caused your injury or illness. You must provide notice within 30 days of it happening. Ideally, you should put it in writing and include the following details:
  • Your name and contact information
  • Date, time, and location of the incident
  • Type of injury or illness you suffered
  • Events that caused the incident
  • Names of anyone who witnessed what happened
  1. Fill out Form WC-14 and return to your employer. They will submit it to their insurance company on your behalf to begin the application process. If they don’t provide a form, you can print one from the Georgia State Board of Workers’ Compensation website.

 

  1. Request a copy of the workers’ compensation insurance policy. You’ll find crucial information, such as filing deadlines, a list of approved doctors, and injuries that are eligible for benefits.

 

  1. Begin treatment of your injuries. Your initial evaluation should be to diagnose your medical condition. If you see a doctor approved by your employer’s insurer, the policy will cover the cost. However, if you choose to see your own doctor, you’ll have to pay out of pocket.

 

  1. Keep a copy of everything associated with your case. That includes medical records, letters from the insurance company, prescriptions, surgical reports, imaging tests, and correspondence with your Savannah workers’ compensation lawyer.

 

  1. Ask your physician to write a letter for you. The letter should include the injury you sustained and how it prevents you from returning to your job or performing specific tasks. You can submit this to the insurance company when you file your claim.

 

  1. Hire a Savannah workers’ compensation lawyer to help you with your claim. This is a complicated process that most people don’t understand. We can file the claim on your behalf and take care of every step to ensure you receive the benefits you need.

 

You Have Options if the Insurance Company Denied Your Claim

Injured workers who don’t seek legal representation end up with more denied claims or lower benefit payments than those who do. If you hire Chris Hudson Law Group, we can help you pursue the maximum benefits available. You must understand a denied claim isn’t the end of the road. If we can provide sufficient evidence that you deserve benefit payments, we’ll file an appeal and try to convince the insurance company to change their decision.

The most common reasons workers’ compensation insurance companies deny claims include the following:

Lack of medical evidence. If you don’t have supporting evidence that you sustained an injury at work, the insurance company won’t believe your claims. Your doctors must include the type of injury you suffered and how it’s keeping you from working.

Conflicting employer statements. Your employer will need to confirm that your injury happened while you were on the clock. If they say something different than what you told the insurance company, you’ll end up with a denied claim.

Reported the injury late. If you waited too long to report your injury and file a claim, the insurance company will look at that and assume you’re not that hurt.

Lack of witnesses. Eyewitness statements can strengthen any insurance claim. If no one was around when you got hurt, you won’t have anyone who can corroborate what happened. The insurance company will have to rely on your word.

Contact a Dedicated Savannah Workers’ Compensation Lawyer

At Chris Hudson Law Group, we understand the impact an injury can have on your job, your life, and the lives of your loved ones. Workers’ compensation benefits are often necessary to pay for your treatment and living expenses. Without them, you could end up facing serious financial hardships.

When you hire us, we’ll immediately begin working on your case. We’ll perform a thorough investigation into your accident and find evidence that your injury prevents you from returning to your job. You can depend on us to fight hard for your rights.

If you sustained injuries on the job, call 706-863-6600 to speak with one of our Savannah personal injury lawyers about your legal options.

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