Workers’ compensation refers to insurance coverage that is offered by employers for workers in case of any unforeseen injuries or accidents at the workplace. Workers will be compensated for any medical expenses and lost wages that may be a direct result of the injury. It is important to note that for workers in Savannah, Georgia, minor injuries are not covered by workers’ compensation. Only injuries that are serious in nature and that prevent the worker from working and that require significant medical treatment are eligible for compensation. If you have suffered from a catastrophic injury that you feel should be covered, reach out to a lawyer to discuss your case today.
What is a Catastrophic Injury?
Catastrophic injuries are particularly challenging as far as Workers’ Compensation is concerned. A catastrophic injury is defined as an injury that permanently prevents a worker from performing any gainful work. This means that such an injury permanently affects the worker’s ability to resume work and thus has a permanent impact on the worker’s earning capacity and their overall quality of life.
Catastrophic injuries are not only painful to deal with at the physical level but are also associated with emotional consequences such as stress on both the worker and their family and having to deal with the possibility that the worker may never be able to go back to work and may have to continue to incur medical expenses for a long period of time.
Catastrophic injuries are different from other injuries. The fact that these injuries disrupt the victim’s central nervous system makes them catastrophic in nature. For example, burn injuries or spinal cord injuries are not injuries that a worker can recover from within a week or a month or even a year. These injuries can leave a person permanently scarred and damaged.
Some common types of catastrophic injuries include accidental amputation, multiple bone fractures, head trauma, eye injury, foot injury, back injury, neck injury, brain injury, shoulder injury, burns, organ damage, neurological disorders and spinal disorders. These injuries can result in paralysis, paraplegia, and quadriplegia.
Dealing with a Catastrophic Injury
If a worker suffers a catastrophic injury that is debilitating in nature and that results in permanent disability for the employee in question, it can be challenging, if not impossible for them to return to work. However, since the worker is a victim, in this case, they do deserve compensation for such injuries.
This is especially important because dealing with catastrophic injuries can result in significant medical costs. Such injuries often require comprehensive medical treatment and sophisticated medical care. Workers may require rehabilitation and physical therapy; they may also require psychological therapy and occupational therapy to deal with the changes in their lives and their body due to the injury; victims may need to learn how to use walkers, wheelchairs, ramps or lifts; they may even require alterations in their home and support and safety measures to ensure they remain safe and mobile, whenever possible. All this requires money, and an average worker does not have the financial capability to manage or bear these expenses. That is where Workers’ Compensation comes in as this insurance can help workers deal with the financial and emotional costs of catastrophic injuries.
Workers’ Compensation Benefits for a Catastrophic Injury
Catastrophic injuries are not only devastating for the worker who suffered the injury, but in most cases, the employee’s family is also a victim of such an accident. That is why as per the Workers’ Compensation Act, any worker in Savannah, Georgia who is the victim of a catastrophic injury is entitled to a lifetime of benefits. These benefits are designed to be sufficient to cover complex and long-term medical treatment and to also compensate the worker for the impact on their earning capacity.
Catastrophic injuries tend to increase the cost of living for workers as they require continuous medical care, assistance, prescription medicines, therapy and psychological support. That is why there is no maximum time frame for these benefits. Workers with catastrophic injuries can be eligible for lifetime benefits.
However, there are often situations when the claim approval process overlooks the extent of non-economic damages that the worker suffers from because of such an injury. Since these damages are difficult to quantify, they can often be difficult to claim. There is no cap or limit that you can place on mental anguish or pain. You can easily determine how much medical bills the worker incurred during treatment, but you can’t account for how much mental anxiety or stress they suffered because of the same injury. These can be complex issues that need to be addressed.
Seek Legal Help for Your GA Workers’ Compensation Case
At the Bader Law Firm, we understand the mental torture and anguish that victims of catastrophic injuries face. We also realize that in many such cases, it is the unfairness of the situation that causes the biggest damage to both the victim and their families. Sometimes, no amount of money can compensate for the loss of a limb or the loss of vision or the loss of life for that matter. We understand all these emotional challenges, and we want to help our clients deal with these challenges. Our goal is to help you manage the legal aspects of this injury so that you can focus on healing physically and emotionally.
If you are a victim of a catastrophic injury in Savannah, Georgia, that is work-related, and if you are distressed and dejected because of the lack of support, please know that you can count on the experienced Savannah GA workers’ comp lawyers at the Bader Law Firm. Call our legal team today at 678-562-5595. Talk to us and let us understand the challenges you face and how you’ve dealt with the situation so far. The law is there to support you, but sometimes you need legal counsel to guide you in the right direction. We are here to help you and your family. We want to make sure you can continue to have the best medical care and that you do not have to worry about supporting your family when you are already dealing with physical pain. The last thing you need is more stress and anxiety. Let us help you get the compensation you deserve for your injuries.