Having a job, or even better, a career can help secure or stabilize your financial future. What else comes with a job? Especially in labor-intensive industries, is the risk of injury. Whereas a white-collar worker may slip on a wet floor and injure their back or suffer a concussion, a construction worker may fall from unstable scaffolding and break their leg.
Risk is why employers pay worker’s compensation insurance. They know that every company, even those with robust safety measures, will face an injury claim sooner or later.
As the employee, understand that insurance is not on your side. Insurers do not enjoy paying out money, so the more thorough and timely you can be about reporting your injury and its details, the better.
To increase your chances of securing the compensation you deserve, consider seeking legal representation, and following the steps highlighted below.
- Report the injury as soon as possible: You may want to seem tough, but as far as worker’s compensation claims go, “tough” won’t work in your favor. Waiting to report your injury and file the necessary paperwork will only complicate the matter. The golden rule is to report the injury within 24 hours.
- Keep the details accurate: When your injury occurs, remember, and if possible, document (photo, video or written) your the injury site, but don’t exaggerate. Beefing up the details could come back to bite you if they don’t match the medical exam results.
- Seek medical treatment immediately: Even if you feel fine and the injury doesn’t seem severe, go to the doctor. Underlying issues, if unaddressed, could further damage your health in the future. Also, if you don’t get examined, you’ll never know the extent of your injury and the strain it could put on your job performance and possible workers’ comp claim.
- Only sign forms you understand: This reason alone is enough to consider seeking a worker’s comp attorney, as they know the legal paperwork that will need attention. Some documents you are supposed to sign may not have your best interests at heart.
Finally, be honest. You may fear retaliation from your employer if you honestly report your injury, but you must do what’s in your best interest: your health and due compensation.