The vast majority of Duluth employees are qualified for workers’ compensation benefits beginning on their first day of employment. All employees, from entry-level personnel to senior executives and everyone in between, are covered by workers’ compensation. Nevertheless, many injured workers have trouble getting their claims paid by workers’ compensation insurance despite this substantial coverage.
Attorney Ken Nugent is qualified and experienced to deliver outcomes. We have helped injured clients get their workers’ compensation payouts for more than 20 years. Because of this, we are aware of the process to be followed and how the system works. Call our Duluth workers’ compensation attorneys right immediately to schedule a free consultation.
Why Consult a Lawyer for Workers’ Compensation?
In 2020, employers disclosed more than 2 million non-fatal workplace illnesses and accidents. Although many of these injured workers obtained compensation, the insurance companies took advantage of many more.
Insurance companies are businesses, and one of their key objectives is to cut expenses whenever possible. Insurance companies have no incentive in giving you the full compensation you deserve or need, which is hard for many people to understand. You should always fight back and request the payment you are entitled to as a result.
Our workers’ compensation lawyers in Duluth will:
- assist you in gathering evidence of your workplace injuries.
- Be your own strongest ally when interacting with insurance providers.
- Organize all of your communication with others.
- Speak with any witnesses and seek the counsel of experts to provide corroborating testimony.
- aid in your comprehension of all your legal choices.
There are many benefits to hiring one of our Duluth workers’ compensation attorneys. We never accept cash up front.
Our successes and client endorsements witness to our assiduity, dedication, and experience in achieving our clients’ goals. If we are unable to obtain a settlement for you, you owe us nothing.
How Does Duluth Workers’ Compensation Work?
If you get hurt at work, you shouldn’t have to go to court to get your injuries paid for. The government created the workers’ compensation program to give injured workers a quicker path to financial recovery.
The program achieves two objectives:
- It offers you and other injured workers cash aid and medical attention.
- This is achieved without the necessity for a drawn-out, expensive judicial battle.
- All businesses are required by law to obtain workers’ compensation insurance coverage to guard against accidents at work.
- In the event that you get a bodily harm at work, the coverage will safeguard you.
Understanding a few ideas connected to workers’ compensation is important. To begin with, it is not a government gift.
Instead, it’s an insurance program offered by your employer and mostly supported by deductions from your income.
Second, if you suffer an accident at work, you are entitled to workers’ compensation benefits regardless of how or what caused it.
What injuries in Duluth are covered by workers’ compensation?
All associated costs, including any lost wages as a result of an injury received at work, are covered by workers’ compensation. For the majority of damages, the following benefits are typical:
- medical care, including as ER visits, surgeries, and diagnostic procedures.
- medications on prescription and medical supplies.
- You can recuperate with physical therapy.
- if you require it, vocational training to get back to work.
- Reduced earning capacity and lost pay.
- A smaller than normal payout from workers’ compensation will be issued, but it is tax-free.
You can be eligible for even more cash assistance if you have a handicap or a long-term sickness. You may also be qualified for benefits if a close relative perishes on the job.
We understand that no amount of money can ever compensate for a life-altering loss or injury, but we equally understand that serious injuries have a tremendous financial impact. Thanks to workers’ compensation, you can continue your recovery while obtaining the medical attention you need and covering your expenses.
What Injuries Are Covered by Workers’ Compensation in Duluth?
Workers’ compensation covers nearly all workplace injuries. Regardless of who or what hurt you, you are protected, therefore there is no need to place blame. Furthermore, it doesn’t matter how you were injured.
It’s not required that the injury be related to your line of work. You are safeguarded even if you fall down the stairs or slip in the break room. Without pointing the finger at anyone else, you can benefit.
Some of the most common injuries we see occur in the construction industry. A common cause of injuries for construction workers is falling objects, heavy equipment, or electrical shocks. However, we also watch people in almost every profession and line of work you can think of, such as delivery drivers, waiters, and office workers who sit at desks.
What Would Take Place If You Weren’t Hurt at Work?
In general, workers’ compensation does not cover accidents that happen away from your place of employment.
Fortunately, the program also considers specific injuries that occur when you labor off-site. For instance, you might receive compensation if you get hurt in one of the following circumstances:
- During a work trip
- When use a business car
- While running an errand for work
- when attending a meeting off-site
- when conducting remote work
Unfortunately, if you get wounded while traveling to or from work, your injuries probably won’t be reimbursed.
However, if your injury happened while you were on the sidewalk or in the parking lot of your company, you might be qualified for benefits.
Does Workers’ Compensation Cover Psychological Injuries?
Physical injuries make up the majority of work-related injuries. However, if you also suffer from trauma or any mental condition in addition to a physical accident, compensation will be provided for both types of injuries.
However, if you are not physically harmed, workers’ compensation will not cover the cost of psychological care.
Therefore, after a physical assault, you could recover from both physical and psychological wounds, but not from those caused by verbal abuse.
Does suing your employer have to be done in order to get workers’ compensation?
No. Employees in Duluth aren’t even allowed to sue their bosses for workplace accidents. Workers’ compensation has totally replaced the traditional system of judicial proceedings and courts. This is advantageous to workers for the following reasons:
- Lawsuits can drag on, as opposed to worker’s compensation, which pays out more quickly.
- Lawsuits are unpredictable, in contrast to worker’s compensation, which is a simpler system with fewer uncertainties.
- Lawsuits compel you to sue your employer in court, as contrast to worker’s compensation, which is an insurance claim.
For injured workers, deciding whether to file a workers’ compensation claim can be challenging. They fear that if they sue their employer, they will lose their jobs or suffer severe consequences. However, when you submit a workers’ compensation claim, you aren’t leveling any charges against your employer. You are, in a nutshell, making an insurance claim.
Most companies are supportive and genuinely interested in your success. Unfortunately, the insurance providers will make an effort to deny your claim. However, your chances of obtaining a full financial recovery will be significantly increased if you deal with a skilled Duluth workers’ compensation lawyer.
DULUTH WORKERS’ COMPENSATION ATTORNEY FREE CONSULTATION
In the event of a workplace injury, you are entitled to full financial reimbursement. Since a long time ago, Kenneth S. Nugent, P.C. have helped people just like you acquire workers’ compensation benefits. Contact us by phone or begin a chat with one of our attorneys to schedule your FREE consultation right away.
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