San Antonio Workers Compensation Lawyer
It can happen when you least expect it. You’re working like you always have, then something goes wrong. A freak accident occurs. A piece of machinery fails. Perhaps you make a simple but costly mistake. Soon, your whole life may change. You’re injured or sick, and can no longer work. You feel awful. Bills are piling up and you don’t know what to do.
What do you do?
Fortunately, this is where workers comp can help. Workers’ compensation is a type of insurance. This accident insurance is funded by employers. In fact, workers comp is not taken out of employee salaries. In exchange, employers are largely protected from employee lawsuits.
Workers compensation helps in two main ways. It can assist with both work-related illnesses and injuries. Workers’ comp covers your medical costs as well as your lost wages.
These benefits come from one of two sources. They either come from private insurance companies or from state funds. Workers comp can even help in cases of death, if the deceased has eligible dependents.
Of course, in some cases, certain employees aren’t covered by state comp insurance. Fortunately, the U.S. Department of Labor (DOL) has other laws in place. Various compensation programs help with particular types of benefits and medical costs.
For instance, the Black Lung Benefits Program helps specific workers affected by black lung. Other programs address specific injuries and illnesses as well. A good San Antonio Workers Compensation Attorney can help employees find the program right for them.
In San Antonio, workers comp is a little different. In fact, in Texas, employers are not required to have workers’ compensation coverage. Employers who do not have coverage may be held responsible.
Without workers comp coverage, personal injury lawsuits may occur.
When Workers Compensation Applies
Coverage does not apply to all cases. Some injuries or illnesses happen because of the employee. Workers’ comp only covers injuries and illnesses sustained doing normal work. This includes work-related travel.
However, workers comp does not cover certain reckless behaviours.
Sometimes employees act unreasonably and put themselves in harm’s way. If an employee is directly violating rules and regulations, that employee may not be covered by workers compensation.
Occasionally, cases are not completely obvious. This is where a good workers compensation attorney can help.
When To Hire A Workers Comp Lawyer San Antonio Expert
The laws in Texas are sometimes uncertain. For instance, “horseplay” and “acts of God” are not covered by workers comp. The definitions for these terms may vary. A good lawyer can help a client make the argument that workers comp is deserved.
Workers also need to act quickly. Injured workers need to file their reports within thirty days of the incident. A lot of paperwork may be needed. In some cases, a worker may feel cheated. Sometimes, very low impairment ratings are assigned.
You have only 90 days to appeal an unfair impairment rating. In some cases, employees are forced to at least do light-duty work. Employees who refuse such work may have their compensation ended.
This is why you need a Work Injury Attorney San Antonio can trust. If you do not have a good lawyer, you may struggle with insurance companies. After all, insurance companies are businesses. They want to make a profit. They may dispute your injury and illness.
For instance, if you have a pre-existing condition, you may have a tough road ahead. Some insurance companies will blame your problems on these pre-existing conditions, arguing that your injury is not work-related.
Other times, you may need expensive medical treatment. The insurance company may refuse to cover this. You may need surgery. You may need medical coverage for the rest of your life.
This is why it’s critical that you hire a good lawyer who understands the law. Your attorney may help you find other experts who can make your case. If you choose to appeal a decision, you will definitely need the help of an attorney at your hearing.
Hearings With A San Antonio Work Injury Lawyer
Challenging insurance companies is rarely easy, especially if your injury or illness is complex. You will need a lot of evidence. You may need independent medical exams as well.
Many insurance companies will have their own experts examine you. This usually leads to very low disability ratings, which negatively impact the compensation you get. So don’t get low-balled. Consult a lawyer you can trust. Go to your hearing feeling confident and prepared. If you need workers comp, contact the San Antonio lawyers of Khattar Law, LLC today.