Workers' compensation is a form of insurance that is designed to protect workers who have been injured on the job. If you have been injured while working, you will find this insurance valuable. For most people, the process of filing a claim is easy. You receive benefits for a short period of time while you heal, and then you go back to work. Of course, it doesn't always work out like this. The following are a few circumstances when you need to contact an attorney.
Your claim has been denied
If this happens to you, the first thing you need to do is contact an attorney. You will be notified of the denial of benefits by letter. Do not bother speaking to the insurance company or even your employer. The chances are it will accomplish nothing. The reasons for your claim being denied will be documented, so you need to take this information to an attorney. Sometimes a claim is denied because there were no witnesses, but the nature of the injury makes it clear that it came from your job. Although there are many reasons an insurance company may give for denying your claim, an attorney can negotiate with the company better than you can.
Your benefits have been terminated
Based upon your injury, an insurance company is likely to have an idea of the time period you should be away from work. Once this period is up, they may terminate your benefits. The problem is that you may not be ready to go back. Some injuries are subtle and difficult to determine the length for healing and rehabilitation. One example is an issue related to your back. These injuries are often difficult to diagnose and more difficult to determine when an employee is ready to go back to his or her job. For this reason, it is important to have an attorney represent you. They understand the issues that relate to rehabilitation and recovery.
Your benefits are not being extended
There really is no defined limit to how long you can receive benefits. But even if you have an injury that is permanent, you may still have an issue with your workers' compensation. You may be expected to train for another line of work. Although you can no longer do the work of your chosen profession, your injuries do not preclude you from doing another type of work. Although this may be true, there is the element of time regarding the transition. Never accept the word of an insurance company. Their decisions are not the final word.
Although you may never have a problem with workers' compensation, the moment you do, you should consult with an attorney. You are no match for an insurance company, but a workers' compensation attorney routinely negotiates and even goes to court with insurance firms to get the benefits you are entitled to.