In the past workers that were injured on the job had little legal protection or recourse when they sustained injuries on the job. During the industrial age and post WWII, we saw a surge in manufacturing jobs as technology improved and expanded. With the increase of man working alongside machines, work-related accidents grew, leaving workers and their families to fend for themselves when they were seriously injured or killed.
Fortunately the laws have changed for America's workforce where they now require that most business carry workers' comp insurance. Today, most workers are protected by the law in the event they sustain an injury while on the job or during the course of their work.
Workers' compensation insurance is a vital aspect of employment. Employees can be injured or killed in the most hazardous occupations and seemingly harmless occupations alike. You never know when something terrible could happen, like a random act of violence or a gas explosion.
The majority of businesses are required to carry workman's compensation insurance in order to operate their company. Therefore, most employees are covered in the case of an accident, illness or occupational disease. If you are injured on the job or while you are performing your duties, your injury should be covered regardless of who caused the accident.
Workers compensation is a "no fault" system meaning that you are covered regardless of fault. If you accept workers' compensation, your employer is exempt from future lawsuits. That is the stipulation regarding workers' compensation, if you do accept workers' compensation benefits; you waive your right to sue your employer.
In some cases, the cause of your injury might have been a third party such as a sub-contractor or a manufacturer of faulty or defective equipment. When this happens you may be able to file a workers' comp claim and a third-party claim. If your workers' compensation insurance carrier denies your claim, you may have the right to pursue a third party instead.
Once your claim is approved, workers comp will have a two-fold effect. It will allow you to receive the medical care that you need without you having to pay out of pocket and, it will provide you with temporary or permanent disability benefits.
It's nearly impossible for anyone to cover their household expenses when they aren't out in the world earning a living. Workers' compensation benefits will give you the money you need to continue paying your bills. It will also pay for any medical treatment, prescriptions, surgery, prosthetic limbs, and physical therapy that you may need.
If your loved one was killed at work, you may be entitled to death benefits on behalf of the deceased. Death benefits can pay funeral costs, and they can help you support your family after the horrific event. Workers' comp is a wonderful tool that employees have at their disposal when they are injured at work. If you or a loved one were injured in a workplace accident, you are encouraged to call a workers' compensation attorney right away to learn more about your claim.
The Floyd Law Firm, P.C. has been practicing workers' compensation law in St. Louis since 1959. If you or someone you care about was injured on the worksite, then you may have a right to a workers' compensation claim. Many injured workers fear employer retaliation or denial from the insurance company, when this happens, their firm stands for the rights of injured employees. If you are in any way apprehensive, you shouldn't be. You deserve to be treated fairly and you should have access to just compensation. Let their firm's years of experience go to work for you, contact a St. Louis workers' comp lawyer at the firm by calling .
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