WEDNESDAY, APRIL 29, 2020
Workers compensation insurance is set in place to provide compensation for employees that are injured on the job. Coverage for workers compensation varies depending on the severity of the injury, but it can cover normal medical expenses, rehabilitation, disability benefits and, in extreme cases, death benefits. Higher settlements will be paid for partial or total permanent disability after a work-related accident.
Permanent partial disability may include:
Permanent total disability may qualify you for a lump sum or a regular wage-replacement benefit. These benefits are paid if the employee is no longer able to work as a result of their injury. To qualify for permanent total disability, the employee may:
So how much money do these benefits pay out? This depends on the injury and your employer’s workers compensation policy.
On average, workers receive about $21,800 after a workers compensation settlement. Settlements range $17,000 and $27,000 on average. Things that can affect your settlement include:
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Choosing whether or not to hire a lawyer
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Choosing whether or not to file a repeal or request a hearing
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Tried to negotiate or accepted first offer
Settlements are generally larger if workers and their lawyers attempt to negotiate rather than accepting the first offer. In fact, about 68% of employees who hired a lawyer received larger settlements.
These are just averages, of course. There are outliers where some employees receive up to $100,000 while others make as little as $2,000. It usually helps to have a lawyer that can help you negotiate a fair settlement.
Can My Workers Compensation Insurance Claim Be Denied?
In a few cases, an employer’s insurance provider can deny a workers compensation claim. If a claim is denied, you will receive no benefits. Reasons you may be denied include:
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Fraudulent behavior
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No proof of the accident
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Employee failed to seek immediate medical assistance
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Employee failed to see the employer’s required medical provider
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The injuries occurred while the employee was under the influence of drugs or alcohol
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The injuries resulted in a fight that the employee started
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Injuries were obtained while committing criminal acts
Make sure to contact a lawyer if you are injured at work
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