Hiring a lawyer for a workers comp claim is a question every injured worker faces and the truth is that most situations – injured ankle, cut on the arm, sore back – are easily treated and won’t require more than a bag of ice, a trip to the doctor, a few aspirin and some rest.
As the person who suffered an injury, you may feel the need to talk more during your conversations with the workers comp adjuster. Don’t. You can learn more by talking less and listening more.
It's common for injured workers to complain that their workers’ comp lawyers don't communicate with them often enough. If your lawyer isn’t responding to your emails and phone calls, you're probably frustrated and wondering what you can do.
Here are 5 things the workers’ compensation insurance company doesn’t want you to know. Once you notify the workers’ compensation insurance company in writing of your accident by filing your Notice of Accident (Form 18), the insurance company has 30 days to accept the claim, deny the claim, or request more time to investigate.
Medical-OnlyMedical-Only This is the type of claim that is the simplest to file and easiest to process.
The first step of any appeal begins with filing a Claim Petition with the Bureau of Worker's Compensation. The case will then be deliberated upon by a Worker's compensation Judge. When appealing a denial, you must face a challenging procedural, substantive law and evidentiary issues.
A knowledgeable workers' comp attorney is essential in cases involving permanent injuries or illness. You receive or plan to apply for Social Security disability benefits. If your settlement isn't structured properly, your workers' comp benefits could significantly lower Social Security disability payments.
Typically, the process from hearing to approved payment takes approximately 3 weeks. The employer's insurance company or third party administrator must then make Section 32 settlement payments within 10 days of the Workers' Compensation Board's decision.
When will I get my Appeals Commission decision? We try to complete all decisions within six to eight weeks after the hearing date. However, some decisions are more complicated and take more time. If we need more time to make a decision, we will let you know in writing.
To request a judicial review of your disputed claim, you can file a Request for Hearing with the Court of Workers' Compensation Claims. This request should be submitted within 60 days after the Mediation Specialist issues the Dispute Certification Notice.
While you do have some rights after being injured at work, there is no obligation on any employer to pay a staff member their full standard salary if they are off work due to illness or injury – even if it was caused by an accident at work, or materials used at work.
In California, the workers' compensation judge will authorize a fee of 10%, 12%, or 15%, according to the complexity of your case. In a case where you settle for $40,000, your attorney's fee could be anywhere from $4,000 to $6,000.
In the United States, the terms lawyer and attorney are often used interchangeably. For this reason, people in and out of the legal field often ask, “is an attorney and a lawyer the same thing?”. In colloquial speech, the specific requirements necessary to be considered a lawyer vs attorney aren't always considered.
around 12-18 monthsHow Long Does It Take to Reach a Settlement for Workers' Comp? The entire settlement process—from filing your claim to having the money in your hands—can take around 12-18 months depending on the details of your case and whether or not you have legal representation.
What do you mean three percent?” MMI is maximum medical improvement. Three percent is your permanent impairment rating, which means that is your loss of function.
Medical negligence claims As a very rough guide, a claim may take 6 to 12 months if liability is accepted by the treatment or care provider immediately. If liability is disputed, it could take 12 to 18 months for more complicated claims. Very complex cases can take significantly longer.
This means spending at least some time to help you prepare for critical proceedings such as an independent medical examinatio n, your deposition, and the workers’ comp hearing. You shouldn’t have to go into these events blind.
Your Lawyer Doesn’t Return Your Calls. One of the biggest complaints about workers’ comp lawyers is that they don’t communicate enough with their clients. Sometimes, this is simply because attorneys are too busy and have a lot of cases (as is often the case with workers’ comp lawyers). Other times, however, a lawyer may not be giving your case ...
If your benefits stop before that happens and there's no explanation, you should contact your lawyer immediately. It could be a mistake, or the insurance company may have decided to end your benefits for some other reason (for example, because it disputes your treating doctor's assessment of your condition).
However, if your lawyer can’t answer simple questions about the status of your case, or repeatedly asks you the same questions, it may be a sign of neglect.
But an attorney who rushes you into a bad deal may not be looking out for your best interests.
Other times, however, a lawyer may not be giving your case the attention it needs. You could have a real problem if your lawyer is unreachable for weeks at a time or doesn’t respond to fair requests in a reasonable amount of time.
Of course, the insurance company doesn’t want you to hire a lawyer because you are ignorant of the benefits without one. For example, you have the right ...
Before you file your claim, there are some important things to make note of. Here are 5 things the workers’ compensation insurance company doesn’t want you to know. Once you notify the workers’ compensation insurance company in writing of your accident by filing your Notice of Accident (Form 18), the insurance company has 30 days to accept ...
However, this is very difficult to prove because North Carolina’s laws provide that any employee is an employee at will and can usually be hired or fired by an employer “at-will” and with or without cause.
In that case, the Court may force the insurance company to provide the I.M.E. with the doctor of your choosing, or the Court may choose a different doctor for you to see. The insurance company and your employer must provide you with your wage information to verify you are receiving the correct disability pay.
If you and the adjuster agree, you will be allowed to see the doctor you choose. If the insurance company does not agree with your choice, then the adjuster may suggest other doctors. Suppose you and the insurance company cannot agree about a particular doctor.
Knowing the laws that protect you is crucial, especially if your injury is permanent and you cannot return to work. An experienced attorney can help you get the help you and your family deserve and make sure you don’t miss any benefits that will provide for you during your disability and beyond.
Answer: Your attorney has a legal and ethical obligation to communicate with you and keep you informed about your case. That being said, attorneys are typically very busy, often juggling several cases at a time. Depending on your state, workers' comp cases can also move quite slowly.
However, your lawyer should be keeping you informed, even if it's just to say that your case is in a holding pattern. You might ask to speak with any legal assistants and paralegals working in your lawyer's office; they may be able to give you information about the status of your case.
Be sure to bring a copy of your workers' comp file to any meetings that you set up with other lawyers. As for a malpractice suit, it's probably not worth the time and effort unless your lawyer made a big mistake, like missing a filing deadline.
In most cases, you won't lose money in your workers' comp case just because your lawyer didn't communicate with you about your case, so you wouldn't get anywhere with a malpractice lawsuit. You can, however, always file a complaint with the state bar, which is the state agency responsible for disciplining attorneys.
In workers comp this could mean a medical-only claims adjuster whom handles only claims that involve medical treatment but no time missed from work. From the date you are hurt at work to the date your workers comp claim closes, you may talk with many different claims adjusters, examiners, or supervisors.
Claims adjusters know that when an injured employee hires an attorney there is a good chance that: 1) the insurance company will have to pay more money in benefits or a settlement and 2) the claim will take more effort to close.
Along with sending regular status reports to the adjuster, you should use the workers compensation discovery process to make sure the claims adjuster is aware of your case. That means sending interrogatories, requests for production of documents, requests for admissions, and witness subpoenas.
Claims adjusters have a role in almost every type of personal injury claim, from car accident claims involving negligence and tort law, to workers comp. They even have a role in long term disability claims.
This adjuster will send you a letter or call you within 48 hours of your work injury and ask for more information about your work accident or occupational disease.
One of your goals when talking with the claims adjuster is to find out what the adjuster considers important when deciding whether to accept a claim and offer an Award Agreement Form or to make a settlement offer.
It is common to have two or more adjusters assigned to your case at different times. No matter their official job title, remember one thing: This person’s job is to save the employer and insurance company money by finding ways to limit the amount of cash and medical benefits you receive.
Reporting regulations and deadlines vary from state to state, but it should typically take no longer than 30 days to complete this process.
If the insurance company doesn’t agree with the rating, it can require you to get an independent medical exam (IME) by a doctor of its choosing. Chances are that doctor will give you a lower rating than what you (and your sore neck) feel you deserve. A lawyer can help convince a judge you are entitled to a higher rating.
That injury is aggravated further at work, suddenly becomes serious and the employer/carrier says the original injury didn’t occur at work.
A lawyer will file the paperwork on time, build your case, negotiate with the insurance company and draft a settlement, if one is agreed on. If it’s not, you’re headed for a hearing.
An attorney not only will prepare your argument, he or she will prepare you to say the right things in testimony. They also will cross-examine the insurance company’s witnesses. That job should not be left up to amateurs. Unlike civil cases, workers compensation law has a safety net of sort.
Unless you’re an attorney or enjoy reading workers compensation manuals in your spare time, probably not. Handling a case on your own is usually a bad idea, especially since the insurance company will be represented by someone who’s probably handled hundreds of cases.
Your injury is minor and doesn’t require much medical treatment – The workers comp system is specifically designed to handle these types of cases. You don’t have a preexisting condition that was aggravated by the accident – Preexisting conditions can complicate your claim, like a neck injury from car wreck that is inflamed by a fall at work.
What Not to Say to Workers’ Comp Doctor. It’s important that you know what not to say to workers’ comp doctor staff to protect your claim. Lying and negativity are two of the major mistakes that you can make when interacting with the doctor.
Honesty is the most important part of all interactions with your worker’s compensation doctor. Hiding details or lying about the injuries may seem like it’ll help your case, but it usually hurts you. Physicians who complete the exams and insurance companies are trained to spot the inconsistencies in your stories.
When you have a worker’s compensation claim, you may need to undergo an independent medical exam (IME). This exam is separate from the treatment you receive from your own doctor for the injuries. The doctor who conducts your IME is an expert on worker’s compensation cases and injuries.
Your employer’s insurance company may request the exam to make sure the injuries qualify for worker’s compensation. The insurance company may choose the doctor you see for the IME. The exam may be used to decide if the medical treatment your doctor recommends is necessary.
Family doctors represent the largest portion of workers’ compensation providers, at 20.3%, followed by orthopedic surgeons at 17%. Even if you do not use your primary physician, they are still a good starting point, as they can typically recommend workers’ comp doctors in your area.
Sometimes after a workplace injury, you feel resentment toward your employer. That’s especially true if the working conditions were unsafe or if the company failed to give you the proper safety gear.
As a trained medical professional, a worker’s compensation doctor can often spot exaggerated claims. The physician will perform various tests and exams to diagnose and verify your complaints. The doctor may check for your reactions to pain and may be able to tell if you’re faking a painful reaction.
For the best possible outcome in your workers’ compensation case, you should hire an experienced attorney that has a proven record of success in various types of workplace injury claims.
Mistake 1: Failing to Act Immediately at the Time of the Accident. At the time of an accident or injury a worker may be embarrassed, dazed or disoriented. They may not be thinking as clearly as they normally would, even if they have no outward appearance of injuries. Certain things should be done at the time of the accident including remaining calm.
If a doctor believes you are embellishing your symptoms to bolster your claim they will note the term “malingerer” (which means faking or exaggerating injuries) in your medical records and that can destroy your case.
If your doctor still feels you can do what is being asked of you, and then return to work and document any pain, discomfort, uneasiness, or other symptoms that arise so you can follow up with your doctor and make any revisions to your duties as necessary.
Mistake 1: Failing to Act Immediately at the Time of the Accident. Mistake 2: Failing to Inform Your Doctor of the Details of Your Workplace Injury. Mistake 3: Falsifying Your Injuries and Symptoms. Mistake 4: Failing to Select Your Own Doctor. Mistake 5: Failure to Follow Your Doctor’s Advice, Orders, or Treatment Plan.
Another way your claim can be diminished or denied is by not following your doctor’s treatment plan or advice. If your doctor orders follow-up tests or physical therapy, it is extremely important that you follow up on everything, even if you are feeling better.
In some cases, injuries that do not present long-term health consequences do not require any further action on your part. Only you can decide. The decision should be made with all the facts considered and only after all of your treatment is completed or a treatment plan has been outlined going forward.