Being injured on the job is frustrating and comes with a lot of inescapable ripple effects for the rest of your life.
For example, you may now have physical limitations. Your income may be reduced for an extended period of time. Or, you may no longer be able to return to your profession and will need to retrain for a new job.
Thankfully, your employer carries a workers compensation insurance policy designed to cover your losses if you are injured on the job. However, as with dealing with any other type of insurance company, getting what is rightfully yours can sometimes be challenging.
If you struggle to get a fair settlement from your employer's insurance company, then you should consider hiring a workers compensation attorney. In fact, even if your case hasn't reached the settlement process yet, a lawyer will assist you in many positive ways, including:
Getting Your Case to Settle Faster
When you are trying to settle a workers comp case without legal representation, you are fighting a battle that is not fair. When you bring in a lawyer with special knowledge of the workers compensation system to fight for your rights, then the battle becomes more equal.
Your lawyer knows how to word documents, which doctors you should consult with, and what expert witness testimony your case requires to increase your settlement.
Since the insurance company knows your lawyer knows these things, just the knowledge that you have legal assistance can make things fairer and faster.
Obtaining A Higher Settlement Amount
Let's face it: your employer's insurance company wants to pay you the least amount of money they can. They know you have been off work, and the infusion of cash from your settlement is very likely needed.
Rather than letting the insurance company have the upper hand and offer you a lower settlement than you are entitled to, hiring an attorney puts everyone on an even playing field. In fact, it has been shown time and time again that workers compensation cases settled using attorneys are higher than those settled without legal representation.
Settling Your Case Before Expecting Payment
Lastly, it is important to note that workers compensation lawyers understand you are unable to work and your income is reduced. For this reason, workers compensation attorneys usually work on a contingency basis. This means they aren't paid until your case is settled.
To ensure their payment, you will be asked to sign a contract when you hire a lawyer. The contract specifies a percentage of the final settlement amount to be paid directly from the insurance company to the attorney. The percentage will depend on the area where you live.