When you file a claim with your employer's workers' compensation, you might assume that you can trust the terms the insurer offers because the coverage is there to protect you. Unfortunately, protecting you and providing for your recovery in the wake of an on-the-job injury is often not the highest priority for your employer's insurer.
In many cases, your employer's insurer is more concerned with protecting their own bottom line than with ensuring that the coverage or settlement they offer meets all of your needs. Furthermore, it is likely that the insurer may attempt to save money by offering you substandard benefits or undervaluing your injury altogether.
No matter what kind of injury you suffered, you deserve to receive every benefit available to you. However, this rarely occurs without some proper motivation.
If you are ready to explore all of the benefits you may receive through workers' compensation, be sure to consult with an experienced attorney who understands how to navigate this complex legal landscape to claim all the benefits you deserve.
Workers' compensation may cover more than you realize
You probably know that worker's compensation covers the medical costs of your recovery from a workplace injury, but this is only one of several benefits you may receive.
In some cases, you may experience mental health difficulties if your recovery is exceptionally difficult or lengthy. An experienced attorney can help fight for your coverage to include treatment of your mental health struggles as well as the recovery from your primary injury.
Furthermore, if your injury keeps you from working, workers' compensation should cover some or all of your lost income. Of course, you should never assume that the insurer's initial offer is the best deal you can get.
Once you recover sufficiently from the injury, you may face difficulty re-entering the workplace. If you require retraining, the coverage should extend to cover the costs of retraining you so that you can get back to your old job or something comparable.
Of course, in many cases, a full recovery from an injury is simply not possible. In these instances, workers' compensation offers compensation for the value of your permanent disability. This is an area where figures can vary wildly, and the insurer is usually going to offer a sum well below the true value of the injury.
An experienced attorney can help you practically evaluate your disability and calculate its value over time to arrive at a fair settlement that accounts for the full scope of your loss.
Don't settle for less than you deserve
No matter the nature of your workplace injury, you deserve to receive all, not some, of your available benefits. With proper direction from an attorney with years of experience, you can rest assured that your rights and future remain secure while you pursue a fair and just resolution to your injury.