Workers’ compensation insurance is an employee’s right. It is mandatory for every employer in Savannah, Georgia with three or more employees to carry workers’ compensation insurance. This insurance is designed to protect employees who get injured in the workplace and while performing their work-related duties and tasks.
As a worker, these tips and information may prove to be useful in case of an injury:
- Whether you are a full-time or part-time employee, you will be covered by your employer. Even if you are a subcontractor and not a permanent employee, the employer is required to provide you coverage.
- All workers in the construction sector, non-construction sector, and farming sector are eligible for Workers’ Compensation Benefits.
- Workers’ compensation benefits include compensation for medical expenses, lost wages, and death.
- Mild and/or minor injuries are not covered by this insurance.
- Injuries that are incurred due to slipping or falling, or due to a disease that the worker contracts at work or an illness that the worker develops due to the work environment are eligible for compensation.
- There are different types of income benefits depending on the severity of the injury and the level of disability.
- Temporary total disability benefits are provided to workers who are unable to perform all of their duties because of a work-related injury.
- Temporary partial disability benefits are for workers who cannot continue to perform their previous duties but can possibly do other tasks.
- Permanent partial disability benefits are for workers who are not completely disabled but who have some form of impairment that forces them to return to lower-paying work or modified work.
- Permanent total disability benefits are for workers who have been permanently affected by the work-related injury and can no longer continue to perform the same work or related work.
- Workers will be compensated for any medical expenses that are incurred for the treatment of the work-related injury. This includes any medical bills, prescription medicines, hospital bills and other related medical expenditures.
- In the event of the death of the worker, the worker’s family members will receive funeral and death benefits.
- Workers should not assume that they will receive benefits simply because they say that the injury is work-related. While there is no need to prove fault in workers’ compensation claims, there is an evaluation of the injury in question. If the injury is due to a worker’s negligence or carelessness or if the injury occurred because the worker engaged in an altercation based on their own personal dislike or bias or if the injury was sustained because of the worker’s willful intent to injure or kill themselves or others, there will be no compensation for the worker. In addition, any injury incurred because the worker was under the influence of drugs and/or alcohol and was intoxicated at the time will not be eligible for compensation.
- Every worker in Savannah, Georgia, is required to report the injury to their employer, supervisor or manager, whichever applicable, as soon as possible. Failure to report the injury can reduce the credibility of your claim and can result in a denial.
- It is recommended that such a report is provided in writing and contains as much detail as possible to avoid any confusion or argument that the injury was not work-related. The more detail about the incident, the better it is for the worker. Information about any witnesses present at the scene when the injury occurred can make the worker’s case stronger and more credible.
- Workers should know that their employer is required by law to provide such coverage. If they are unsure whether their employer carries Workers’ compensation, they can contact the Workers’ Compensation Board for more information.
- If the employer refuses to accept the worker’s claim that the injury was work-related, this does not mean that the employee will be denied these benefits. The injured employee can still file a claim and can still maintain that their injury is work related and any associated damages that they have incurred are work-related.
- Workers in Savannah, Georgia, are required to report their injury within 30 days and are required to file their claim within two years. Failure to do so can render them ineligible for benefits.
- Workers must seek medical treatment from the doctors authorized by their employer. There is no exception to this rule unless the doctors on the panel are unavailable when the worker needs treatment or if the injuries are not within the scope of their specialty. This is important, and workers should ensure they are aware of this condition and are also aware of the doctors that are included in this panel.
If you are a worker in Savannah, GA and if you have sustained injuries in the workplace, you should be assured that you can claim benefits under the Workers’ Compensation Act. As long as the injury was sustained at the workplace or while performing a work-related task or activity, you will be eligible for benefits. However, if the injury was not work-related but was a result of your negligence or your personal issues and/or conflicts, your claim will most likely be denied. If you are unsure of the validity of your claim or if you are unable to determine how you should file such a claim, call us at Bader Law Firm and we will be happy to assist you.
Consult with a Savannah Workers’ Compensation Attorney
Workers’ compensation is your right in Savannah, Georgia, but in many cases, employers and insurance companies do not simply hand over the money without putting up a fight. They may offer the coverage, but they can still challenge your claim if there is any missing information or loophole. Contact us at 678-562-5595 and one of our associates will be happy to discuss the specifics of your case and will help you outline the next steps. We want to make sure you get the compensation you deserve so that you can recover and get back to work as quickly as possible.