You go to work so that you can pay your bills, but occasionally, things happen in the workplace that limit your ability to make a living. If you have been injured on the job in the State of Georgia, you may be wondering what to do next. Fortunately, workers’ compensation protects not just employers but employees, too.
The Win-Win of Workers’ Compensation
In accepted cases, the employees benefit because workers’ compensation acts as a form of insurance, replacing your some of your wages in the event that you cannot work in the same capacity (either temporarily or long-term). Injured employees are also eligible for immediate medical care at the expense of the Employer. Employers benefit because workers’ compensation makes it so that people cannot sue their employer directly. Otherwise, employees could sue for large sums of money that might put companies out of business.
Who Pays the Bills?
If an injured employee is receiving benefits but employers aren’t directly footing the bill, you may be wondering who pays for workers’ compensation? The answer is that the insurance company is responsible for furnishing remedial medical care to the injured worker.
How Do You Apply for Workers’ Compensation?
If you are injured in your place of employment, report the injury to your employer immediately. It’s a good idea to document the incident that precipitated your injury, describing the incident and ensuing damage thoroughly. Additionally, we believe you should consult a lawyer about your options. You never know what complications might arise in the future. If need, the attorney can submit the proper form to the State Board of Workers’ Compensation, and make sure that your employer and their insurance carrier get a copy, too.
How Do You Get Medical Care?
You should not just go to just any doctor for treatment of your workplace injury. Rather, your employer should provide you with a list of physicians who are qualified to assess and treat workers’ compensation injuries. As your doctor will influence the course of your case, we recommend that you solicit the help of a seasoned workers’ compensation lawyer to assist you when making your selection. If you do not use one of the doctors on the approved list, your medical care may not be covered by your health insurance. If you are unhappy with the doctor that you choose, you can switch to another physician on the list
What if Your Claim is Rejected?
In a perfect world, your case will be approved for compensation, and move forward with healing and returning to work. Workers’ compensation claims can be denied for a number of reasons, however. Perhaps your paperwork is incomplete, or maybe the board does not believe that you have enough evidence to show that your injury is work-related.
Thankfully, you have recourse in these cases. As a first step, you should contact a lawyer to help in advancing your claim, file the necessary documents, and assist you selecting your doctors.