WORKPLACE INJURIES AND ACCIDENTS
Workers who are injured on the job can sue their employer for damages.
As the industrial revolution progressed, the rate of workplace injuries increased dramatically. The twentieth century was the most capacious on the subject, and today, litigating workplace injury issues in court is the most common.
Eventually, federal and state legislation was enacted to simplify the compensation process for workers who are injured on the job. Today, the Federal Work Injury Compensation Act compensates employees for treatment and disability. It is administered by the U.S. department. Each state has its own list of laws governing workers’ compensation, as well as its own regulatory body overseeing the program. These legislative schemes have replaced the usual practice of filing a special claim.
WORKERS’ LIFE INSURANCE AS THE BEST SOLUTION TO COMPENSATE FOR HEALTH INJURIES
Technically, workers’ compensation for work-related injuries is a form of insurance that provides coverage for the injured party for lost wages as well as medical expenses for the effects of a work-related injury. Typically, injured workers receive disability insurance benefits on a weekly basis. These payments provide coverage for lost wages as well as compensate the injured party for future disability.
Workers’ compensation insurance also covers health care costs, similar to standard health insurance, and also provides financial compensation for pain and suffering. The law also provides life insurance for the worker, which is beneficial for relatives whose family members may be killed on the job or injured.
WORKPLACE INJURIES AND ACCIDENTS
The amounts workers receive for each of these categories are set by state law. Workers can challenge their benefits; in most states, these disputes have been heard by administrative law judges, whose decisions were then under the control of the Court of Appeals. However, because the workers’ compensation justification for the litigation must have precluded individual lawsuits, they were extremely unlikely to succeed.
Employers in all 12 states decided to switch to an insurance type of compensation for their workers by going to special insurance companies, such as Travelers Insurance Company. The remaining states create workers’ compensation funds for their workers; the largest is the California State Insurance Indemnity Fund. The federal government pays workers’ compensation premiums to injured workers through regular congressional appropriations.
HAVE YOU GONE TO COURT FOR WORKPLACE INJURY COMPENSATION? – THERE WILL BE NO FIRING OR HARASSMENT!
Employers are prohibited from firing an employee who has reported a work-related injury to the proper authorities and filed a workers’ compensation claim. However, there is a notorious history of several workers filing fraudulent claims.
Employers are suspicious of settling a workplace injury claim and often hire detectives to implicate negligent subordinates. Any evidence obtained as to the legality of a claim for financial compensation due to a work-related injury is admissible and may form the basis of evidence in a judicial investigation.
PAYMENT ONLY AFTER THE CLAIM HAS BEEN SUCCESSFUL IN COURT
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