Are You Covered By Workers’ Comp?
As an employee, you may be covered by workers’ compensation insurance if you get injured while working. This insurance specifically covers accidents that happen on the job so that employees can recover swiftly without worrying about the financial burden. The insurance usually covers medical bills, out-of-pocket expenses, extra care expenses, funeral costs and lost wages. Despite these great advantages, many people do not know they have workers’ compensation. Being injured at work can be complex – contact one of our Alexandra VA workers compensation lawyers today.
Here’s how to find out if you’re covered:
Ask Your Employer
The most effective method for finding out if you have coverage is from your employer. After all, your employer is responsible for taking out this insurance for their employees. Workers’ compensation is to the employer’s benefit as well as the employee’s because it protects the employer from lawsuits. Your employer should be able to tell you if you are covered.
Check Your Benefits
Once you discover you have coverage, contact the insurance agency to learn about the full scope of your benefits. You can ask your employer, too, but they may not have all the information you need. Contacting the source of the insurance can ensure you understand what is covered and what to do in the case of an injury. It’s much better to be prepared for something that never happens than to be caught off guard in a time of need.
Contact Your Department of Labor
Finally, you can talk to your state’s department of labor to discover laws regarding workers’ compensation. This may be an important step if your employer does not have coverage. You can find out what to do if you get injured. It is also an excellent way to check that your employer is following the law, as most states have laws for workers’ compensation. Your state may legally require an employer to have insurance, or it may be optional. However, knowing this can help you determine if your employer is acting illegally by neglecting to take out a policy.
Contact a Lawyer
If you have been injured and you are still confused about coverage, contact one of our Alexandria VA workers compensation lawyers. While the claims process is meant to help employees in need, it can also neglect them through acts of negligence on the part of the employer or insurance. You may need a lawyer if your employer refuses to acknowledge your injury or if insurance will not pay you. Reach out to Alexandria VA workers compensation lawyers today to discover what can be done and if there are other options for compensation.
Our Alexandria VA workers compensation lawyers have settled more than 10,000 cases in personal injury law in the past thirty years. Contact Cohen & Cohen today at (202) 955-4529 for a free case evaluation.