Workers compensations has to be one of the most important types of insurance available for employees. It’s a very versatile insurance that works to help both employees and employers. However, just like any other piece of insurance, workers compensation can be complicated at times. Both workers and employees have questions pertaining to the rules and overall process of filing claims. Many of these questions can be answered by a Work Comp Attorney in MN. Let’s take a closer look at workers compensation insurance, and some of the common concerns more people have.
Both employees and employers are protected by workers compensation. Employees are able to be confident in knowing that they’re covered if they’re injured on the job. Employers are also confident in knowing that they won’t be financially responsible for any injuries sustained by an employee. However, the idea of employers being completely safe from any financial responsibility is a common misconception about workers compensation.
Often times, an employee will become injured on the job due to a typical accident. These accidents are the injuries that are covered by workers compensation. However, some employees are injured because of the carelessness of the employer. If an employee can prove that their employer was negligent for their injuries, the employee may be able to take their case to court. In addition to the results of the lawsuit, the employee should still be eligible for their workers compensation benefits. If the worker has any questions, they should first consult with a Work Comp Attorney in MN.
In order to determine whether or not an employee’s injuries are legitimate, and work related, insurance companies will have the employee be examined by a doctor. In most cases, insurance companies have their own independent doctors that execute these exams. However, workers are free to be examined by their own doctors. The insurance company will review the statement made by each doctor to determine whether or not compensation should be awarded. This process could take several months.
If you’re having a problem being awarded workers compensation, don’t hesitate to speak to an attorney. With an insurance as complicated as workers comp you should expect a few setbacks. However, Malone and Atchison can help workers get the compensation they deserve.