Sunday, March 18, 2012

When Workplace Accidents Happen, Workers Compensation Becomes Your Livelihood

There are both benefits and hardships that come when an unexpected workplace accident happens. The benefits are simple. You get the medical attention you need and deserve at no out of pocket cost to you, which includes all necessary Doctor visits, tests, x-rays, MRI's, C-scans, operations, medications and any other medical treatment the Doctor deems necessary to treat your condition after your workplace accident.

When it comes to personal finances, it can be both a benefit and a hardship. If you are lucky enough to have been able to put a savings in place in case of unexpected circumstances such as being out of work for many reasons, including getting hurt at work, you may not be affected as much. But for those who count solely on the income from workers compensation, you may be surprised that you will not be getting the same income as you did when you were working. This, along with the actual injury can be a stressful hardship, but you can at least be assured you won't be completely without income and the care you need.

Thursday, January 12, 2012

Dealing With Your Employers During a Workers Compensation Case

When you clock into work each morning, your mind focuses on the tasks that require your attention. Whether your job is contained entirely within the computer in your cubicle, in the kitchen where you cook, or on a large construction, you know it's important to keep your head in the game. When a person is injured on the job, however, it may not register immediately what you need to do first, but hopefully co-workers and/or your supervisor are there to help you determine the severity of your injury and assist in your care. An injury that requires a visit to the emergency room will likely result in a Workers' Compensation claim, which will definitely change your relationship with your employers.

Monday, December 12, 2011

Effects of Business Losses With High Insurance Claims

Effects of business losses with high insurance claims (workers compensation).

While every person would love to reduce their monthly bills, business losses with high insurance claims and workers compensation can help to offset medical costs, if the injury is real. When this happens, you are able to claim your medical bills under your company's insurance, allowing them to pay for the injury you sustained at work.
If the injury is real and you ask for genuine workers compensation then nobody can deny you the claim. But if you try to exaggerate the injury or sickness or milk it longer than is necessary by claiming more money from the source that has given you bread and butter for a long time in your life, the company can turn around and come after you for falsifying your documents and stealing for the company.

Wednesday, November 23, 2011

Labor and Management Form Coalition to Stabilize Workers' Compensation Costs

A coalition is an alliance among individuals or groups, during which they cooperate in joint action, each in their own self-interest, joining forces together for a common cause. Labor and management in the building trades of West Virginia have done exactly that in their joint effort to control the costs of workers' compensation insurance. Recognizing the benefits of training, drug testing, and proactive communication in the objective of reducing workers' compensation injuries, labor and management have combined efforts and created an insurance program that returns the benefits of reduced workers' compensation losses. The insurance program is known as a Group Captive, and it not only provides the essential coverage for workers compensation but rewards participants with superior training and loss prevention.

The Alliance

Too often the discussion in the media on the topic of labor and management is focused on their conflict. Disagreements surrounding collective bargaining, organizing, political fundraising, benefits, and foreign competition fill the papers. After a heavy dose of this conflict, it's easy to forget the parties and people involved share a lot in common. The craftsman is an employee of the employer contractor. In other words, they work at the same company with common goals and objectives. Both work together in bidding and completing a construction project that offers compensation and personal satisfaction. Each gain when the project is completed timely and under budget; the contractor employer through profits and the tradesman through improved wages and benefits. It is undeniable that when construction projects are not profitable, labor and management both lose.

Saturday, October 1, 2011

Six Mistakes to Avoid in a Workers' Compensation Deposition

The insurance company lawyer is taking your deposition because you filed a Virginia Workers' Compensation claim. You claim you were injured on the job and you wish compensation and medical coverage. The insurance company lawyer hopes to trap you in a mistake that will cost you your case. There are Six (6) mistakes you should avoid in your deposition.

1. Don't lie you must tell the truth. It is mistake to think you can get away with lying in your deposition. You need to be truthful about what happened to you. Remember your testimony in a deposition is under oath. Anything you say can and will be used against you are the hearing by the other side.

2. Don't guess. If you do not know an answer then just say you do not know the answer to a question. This is especially true about distances and measurements of any kind.

Sunday, September 11, 2011

Worker's Comp - How to Handle Your Employers

In the unfortunate event you should suffer an injury on the job, you may find comfort from co-workers who send their sympathies. You would hope, too, that your employers would understand your need to recover and the time involved. Sometimes, though, some workers have found that their bosses are more concerned about time and money lost to the company because of your injury. You may have done everything right with regards to filing for Workers Compensation, but depending on the nature of your injury you may discover your relationship with superiors is altered.

It's important to recognize that your company can dispute your claim if your bosses feel there is no cause to cover your injury. You work for a business, and as such you are responsible for helping your business remain solvent and profitable. When you become hurt on the job and are removed from the workplace, the company risks losing money and productivity, and should it be determined that your compensation claim is legitimate more money is spent to cover your bills. As more claims are paid out, your company may end up paying higher insurance premiums. Therefore, there is the chance that your workplace may challenge your claim if: