Wednesday, September 18, 2019

What to Know About Workers’ Compensation

Workers’ compensation benefits protect and provide for people who are injured on the job. These benefits can be temporary and can also lead to permanent disability benefits should an injury be long-term. Before getting involved in a workers’ compensation claim, it is important to know some essentials.

No Fault

The term “no fault” is used to describe workers’ compensation cases. This means it is irrelevant how you sustained an injury. If you are injured on the job, even by your own carelessness, you are eligible for workers’ compensation benefits. The only thing that would disqualify you is
deliberately hurting yourself. South Carolina is a “no fault” state when it comes to workers’ compensation.

Reporting Injuries

In the event that you are injured at work, the first step to receiving workers’ compensation is to report the incident right away. This means providing written notice of the incident to your superior. Make a copy of that report and keep one for your own records as well. The longer you wait, the tougher it may be to receive benefits.

Payouts

An employer who is negligent will not be required to pay more because of that negligence as it does not have varying degrees. And there may be more forms of payouts than people realize. For example, medical-related visits that exceed ten miles in distance require reimbursement for travel expenses. There are a lot of nuances that go along with workers’ compensation benefits.

Investigations

Insurance companies will usually investigate claims and may even rely on surveillance footage to verify the claim is legitimate. They may also interview other employees, which makes it important to be entirely forthright when filing a claim.

Medical Providers

After reporting a work-related injury, your employer should provide with a list of medical providers you can seek. These providers are supposed to be covered by company insurance and will not require you to pay out of pocket. However, you are free to get a second opinion or see your doctor of choice. But companies are required to have a list of providers on hand.

Denied Claims

It is not uncommon for a company to deny workers’ compensation claim. But that does not signify the end. You may then hire a workers’ compensation attorney to file a legal claim which will ultimately be decided on by a judge. These claims generally take anywhere from four months to a year to settle.



If you were injured on the job, learn more about what you are entitled to receive from a South Carolina workers’ compensation attorney at LEIP Law.

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