Millions of Americans are injured at work every year. Well-known employers do not report accidents at this workplace. In 2008, according to figures from the AFL-CIO, 4.6 million employees suffered from work-related illnesses or injuries. But the actual figure is estimated to be at least two to three times greater. What happen?
When an employee is injured at work, the employer is usually expected to cover all medical expenses. To do so, they must file a claim with their insurance provider, which could lead to higher insurance premiums in the future. As a result, bosses often prevent workers from reporting their injuries. Many subordinates agreed out of loyalty to their employer, but soon regretted the decision.
What to do?
To begin with, always notify your supervisor, personnel department, and your union representative (if any) as soon as an injury or illness is sustained. The longer you wait, the harder it will be to receive the treatment and benefits to which you are entitled. If your boss asks you not to report the incident, let him know that you only want to follow established procedures.
The procedure begins with the “Employee Claim for Worker’s Compensation Benefit” form, which must be completed and returned to your employer as soon as possible after the accident occurs. Make sure you get a copy of the report, and that you include any information that could substantiate your claim for benefits, such as the names of employees who may have witnessed the incident.
In addition to medical coverage, injured employees may be entitled to temporary or permanent disability support and vocational rehabilitation, all of which will be carefully reviewed before being rejected or approved. If your claim for any of these benefits is denied, you can appeal the decision in court. At this time, it is highly recommended that you seek the advice of a workers’ compensation attorney.
How Can They Help?
The most common reason a compensation claim is rejected is that it was not filed on time. The new law has shortened many deadlines, and employees who do not file a claim as soon as they are injured at work may not be entitled to compensation. An experienced workers’ compensation attorney is aware of the coverage laws in your state and can file a lawsuit on your behalf.
What Do They Need From You?
The first thing legal counsel will ask for is a copy of the Employee Claim form for Workers’ Compensation Benefits. He or she will also ask for accurate records of your injury or illness, including missed workdays, date of medical treatment, mileage or expenses incurred for medical treatment, and all medical expenses and prescriptions incurred in-house. The more accurate your record, the stronger your case will be.
Before the law firm accepts your case, the attorney will review all the facts of your accident at work. Be aware that making a false claim is a serious crime, a crime in some states. The injury must have happened at work. Aggravating an existing or pre-existing condition may not entitle you to workers’ compensation, disability, or vocational rehabilitation. Therefore, if you are injured at work, it is important to follow the proper steps. Mistakes in initial steps may result in a denial of the care and support you are legally entitled to.