Get Workers Compensation now
We all have
a right to protection while we earn a living. Worker’s comp, also known as
Worker’s Compensation insurance, provides the following benefits to employees
who are injured at work or suffer job-related illnesses:
• coverage for medical expenses
• partial reimbursement for lost wages – usually two-thirds of your salary
• lump-sum benefits for those who are permanently disabled
• retraining or rehabilitation necessary to return to the workforce
• death benefits for dependents of workers who are killed on the job
Employers don’t provide worker’s comp out of the goodness of their hearts. State
laws require them do so. Federal employees are covered by a worker’s comp
program administered by the Federal Government. Some states do not require
small employers (with only 3 or 4 employees, for example) to carry worker’s
comp insurance. Private insurance companies handle the worker's comp coverage
for employers, although some states allow larger employers to "self-insure"
their plans.
Worker’s comp coverage is a “no-fault” coverage. It does not matter who is to
“blame” for the injury. When a worker’s comp claim is paid, the employer is not
admitting liability. It could be the employee, the employer, a co-worker,
customer or vendor that causes the injury. Worker’s comp is not focused on
fault -- it's purpose is to protect against the resulting losses.
There are some exceptions to the “no-fault” rule. Injuries caused by the
employee’s willful misconduct, intoxication or use of illegal drugs may not be
covered. Also, if the injuries occurred when the employee was in violation of
company policies, or while committing a serious crime, benefits may not be
payable.
Employees generally have limited rights to sue the Employer for damages
resulting from injuries or illnesses covered by worker’s comp. There are times
when conflicts arise and legal representation is necessary. For example, an
employer may say an employee is medically able to return to work, but the
employee disagrees. Or the injured worker’s job might be eliminated, making him
or her ineligible for worker’s comp benefits. An attorney experienced in
worker’s comp litigation can ensure your rights are protected. You chances of
getting the maximum pay-off possible are better if you enlist an attorney
familiar with the intricacies of the system.
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The law office of Skip McManes is located in Alpharetta, Georgia. I represent injured workers and accident/injury victims throughout Georgia, including Alpharetta, Atlanta, Gainesville, Woodstock, Dawsonville, Marietta, Dunwoody, Smyrna, Duluth, Tucker, Athens, Sandy Springs, Fulton County, Dekalb County, Cobb County, Douglas County, Clayton County, Gwinnett County, Rockdale County, Henry County, Forsyth County, Hall County, White County, Rabun County, Cherokee County.
