Is Workers’ Comp the Right Thing for Your Case?
May 4, 2016
Workers’ compensation is a policy that companies in all states (with the exception of Texas) must purchase if they plan on having a workforce. If you have been injured on the job, the workers’ compensation policy normally covers your medical bills in addition to any workdays you miss as a result of the injury. However, there are certain instances in which this policy doesn’t cover you. In these cases, and even some cases where you are covered, it is a good idea to consult a lawyer to figure out which legal steps you should take to get the right compensation.
When Does Workers’ Compensation Cover an Injury?
Workers’ comp covers employees in almost every industry besides agricultural workers, domestic workers, and independent contractors. The policy covers any accidental injuries or illnesses that happen as a result of your job. It is a no-fault policy, which means you can actually be covered even when the injury was your fault. Horseplay and “willful misconduct” may put the claim at risk.
When Does Workers’ Compensation Not Cover an Injury?
Workers’ comp does not cover injuries that are a result of a third party. In order to be covered, the injury must be a direct result of your working environment. For example, if you develop a respiratory disease from asbestos inhalation or get injured because of faulty equipment, you are entitled to compensation. If a car drives into your work site and injures you, it is the result of a third party, which means your company is not responsible. Also, you must pass a drug test in order to be eligible for coverage.
Seeking Legal Counsel
Legal advice can be extremely helpful when dealing with a workplace injury. Whether you are covered by workers’ comp or not, it is a good idea to seek legal counsel to make sure you are taking the right steps. Stanley Law Offices enlists some of the best specialists in the state, and our injury lawyers work hard to help you get what you deserve.
If you’ve been involved in a workplace injury, contact Stanley Law Offices to schedule a consultation.