Workers’ compensation insurance can cover medical expenses, lost income, vocational rehabilitation, and certain other losses when someone suffers a work-related injury or illness. If you or a loved one find yourself unable to work, you may be eligible to receive benefits through a workers’ compensation policy.
A workers’ compensation lawyer from our team can oversee your claim and fight for the financial recovery you are entitled to obtain. Contact our firm today if you want information about your workers’ compensation claim.
Workers’ Compensation Fundamentals
Those who are suddenly or progressively affected by a work-related injury or illness often have many questions about how they will support themselves. Our firm provides relevant information and legal guidance, and our mission is to obtain the workers’ compensation benefits you deserve.
Though workers’ compensation laws and guidelines vary from state to state, it is generally true in our state that:
Most Employers Must Maintain Workers’ Compensation Insurance
The California Department of Workers’ Compensation (DWC) explains that every employer in California—even those with a single employee—must have workers’ compensation insurance to cover medical care costs and lost income from work-related illnesses and injuries.
Any sick or injured worker is likely to be entitled to compensation through a workers’ compensation claim, so long as their circumstances otherwise qualify them for coverage.
Workers’ Compensation Insurance Covers Most Work-Related Injuries and Illnesses
If you suffered an injury or developed an illness in the normal course of your work, you are likely entitled to workers’ compensation benefits. There are some exceptions to this rule, though, as an insurer may initially deny coverage to those who:
- Do not qualify as an employee
- Were intoxicated at the time they suffered an injury
- Tested positive for one or more drugs at the time of the work-related injury
- Were engaged in non-work behavior (including horseplay) when an injury happened
Our team will protect you against any bad-faith attempts to deny your workers’ compensation claim.
Insurance Companies and Insurers Sometimes Refuse to Pay Workers’ Compensation Claims—Here Is Why
Insurance companies have a profit motive, just as most businesses do. Unfortunately, this can mean that an insurance company that provides workers’ compensation coverage may deny a claim simply as a means of saving money.
Our firm works cooperatively with insurance companies on your behalf, and we will work to overcome:
- A denial of your workers’ compensation claim without explanation
- Undervaluation of your losses, which may include medical treatment, lost income, and any other hardship you suffer because of an injury or illness
- Baseless allegations that you were impaired by a drug, alcohol, or both
California provides robust protections for workers, but sometimes accessing those protections takes work. Our firm will handle your claim from start to finish, putting in the work while you focus on recovering as soon as possible.
What to Do After Suffering a Work-Related Injury or Illness
The California Department of Industrial Relations (DIR), suggests that those who suffer a work-related injury:
- Make sure their employer is aware of the injury (or illness): If you have suffered a work-related ailment and have yet to inform your employer, do so as soon as possible. Delaying the report of your claim could expose you to allegations that your condition is not work-related.
- Seek emergency medical care: Even if you have already received some treatment, consider seeking additional care. If possible, obtain images of injuries (such as X-rays, CT scans, and MRIs) and a clear diagnosis from any medical provider who evaluates you. Such records can help prove the nature and extent of your injuries, which may be necessary to secure fair compensation.
In addition to taking these critical steps, you may hire a personal injury lawyer from our firm to represent you. Employees who are seeking a workers’ compensation payout rely on our firm because:
- They are often occupied with their injury or illness and must receive treatment, rest, and follow doctors’ other recommendations for recovery.
- Their injuries and illnesses often prevent them from fulfilling the physical and cognitive demands of managing a workers’ compensation claim.
- Our firm offers a versatile team of legal professionals who are experienced in resolving workers’ compensation claims.
Our fee is contingent on securing compensation for you. You will pay no upfront cost, and we will work hard to obtain the compensation benefits your employer’s insurance promises.
Call KJT Law Group Today for Assistance With Your Workers’ Compensation Claim
If you were hurt at work, you may be entitled recover medical benefits and lost income from your insurance workers’ compensation insurance policy.