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Everything you ever wanted to know
about Your on the job injury for Workers Compensation Claims

and Workers Compensation Lawyers

While many states have their own workers compensation act, the federal government has also implemented several workers compensation acts in an effort to protect workers’ safety. The main purpose of each of these workers compensation laws (acts) is to compensate and provide medical care for:
    •    workers who are injured while on the job
    •    those who are made ill or disabled by conditions at their jobs, and
    •    the surviving dependents of a worker who is killed on the job or dies from an illness incurred because of his or her job conditions
Each state and the federal government each have their own Workers Compensation Act which compensates workers who are injured during the course of their employment. Each workers compensation act is designed so that employees can receive fixed monetary compensation for their injuries without the need for legal action. The workers compensation act that is applicable to an individuals employment is dependent upon who they are employed by and the industry they are employed in.
Workers Compensation Benefits Depend on Several Factors

Each workers compensation act is designed so that employees can receive medical care and fixed monetary compensation for their injuries without the need for legal action. The workers compensation act that is applicable to an individual's employment depends on:
    •    the state he or she is working in
    •    who he or she is employed by
    •    the industry that employs him or her

State Workers Compensation Acts

Most states have their own workers compensation act that details the workers compensation benefits that people employed in that state are eligible to receive. The specific laws in each state vary. Among the states that provide their own workers compensation acts and systems are:
    •    Alabama Workers Compensation
    •    Illinois Workers Compensation
    •    Pennsylvania Workers Compensation
    •    Indiana Workers Compensation
    •    Louisiana Workers Compensation
    •    Texas Workers Compensation
    •    California Workers Compensation

The Federal Workers Compensation Act
The federal government has a workers compensation act (the Federal Employees' Compensation Act, or FECA) that covers all non-military personnel employed by the U.S. (federal) government. Enforcement and administration of all laws contained within the federal workers compensation act rests with the Office of Workers Compensation Programs.
There are some cases of disability and death that are not covered by a federal workers compensation act. These include cases where the employee was injured:
    •    because of self-inflicted harm
    •    while under the influence of drugs or alcohol, or
    •    while violating some employee policy
In cases of death, the beneficiaries of the decedent are eligible to seek compensation for the monetary damages resulting from the fatal injury.
Industry-Specific Workers Compensation Acts
    •    The Federal Employment Liability Act (FELA) applies to injured, disabled or killed railroad workers.
    •    The Merchant Marine Act/Jones Act is a federal workers compensation act for "seapersons."
    •    The Longshore and Harbor Workers Compensation Act is for employees who become disabled from injuries that occur on the navigable waters of the U.S. or in adjoining areas that are for used for loading/unloading, building, or repairing a vessel. The LHWCA also provides benefits for such employees' dependents after a work-related death.
    •    The Black Lung Benefits Workers Compensation Act protects workers who are injured in the mining industry.
    •    The Energy Employees Occupational Illness Workers Compensation Act provides protection to employees of the Department of Energy who are killed or injured during the course of their employment.

Types of Federal Workers Compensation Act

There are a few types of federal workers compensation act that cover employees in particular industries. The Federal Employment Liability Act is the workers compensation act that applies to injured, disabled or killed railroad workers. Given the dangers of railroad work, special protections are offered to these employees through this workers compensation act.
The Merchant Marine Act/ Jones Act is a federal workers compensation law that provides benefits to seapersons when they are injured or killed on the job. There is a similar workers compensation act called the Longshore and Harbor Workers Compensation Act. This workers compensation act provides compensation to persons who suffer an occupational disease that arises out of employment that occurs on the navigable waters of the United States or any adjoining waters.
The federal government also governs two other workers compensation acts for specific federal employees. The Black Lung Benefits workers compensation act protects workers who are injured in the mining industry. The Energy Employees Occupational Illness workers compensation act provides workers compensation protection to those persons employed by the Department of Energy who are killed or injured during the course of their employment.

Workers compensation law is a complex and ever-changing field. To get the most effective and knowledgeable assistance, you should speak with an experienced workers compensation attorney near you who understands the laws governing your state. A workers compensation lawyer will be able to thoroughly evaluate your case and fight to ensure you recover the compensation you are entitled to. To schedule a private consultation, please contact us today.
Each state also has their own workers compensation act that details the benefits that people employed in that state are eligible to receive. These benefits are similar to those offered by the federal government, though the specific laws in each state may vary.
All 50 states and the federal government currently have workers compensation laws in effect. In the case that employees become ill or injured, or dies in the course of their employment workers compensation laws spell out the entitlement of the employees or their families/dependents to collect workers compensation benefits. Workers compensation laws protect the employee and the employer alike, by guaranteeing a certain amount of financial protection for each party.
Workers compensation laws are in effect at both the state and federal level to protect the incomes of employees who are injured, become ill or die due to conditions at their places of work. A vast and complex patchwork of workers compensation laws spell out the entitlement of employees or their families/dependents to collect workers compensation benefits. In addition, workers compensation laws protect both employees and their employers by guaranteeing a certain amount of financial protection for each party.

Job Safety Protected by Workers Compensation Laws
Workers compensation laws were enacted to avoid court delays, encourage safety in the workplace, and allow for a reliable source of income and benefits. Under workers compensation laws, an employee will receive certain funds and benefits, regardless of fault or negligence. The payment of workers compensation is virtually automatic, so long as the employees claim follows the workers compensation laws of the state and federal governments.
Although they do afford some protection to injured employees, there are some limitations to workers compensation laws, and even more misunderstandings about what they mean. Independent contractors are not eligible to collect benefits under workers compensation laws, although the definition of an "independent contractor" is often vague at best. Injured parties who are entitled to claims under workers compensation laws are not getting a blank check-there are very specific limitations on the amounts and types of funds that can be recovered under workers compensation laws. For instance, there is no provision for special sums of money for things such as "pain and suffering" in the workers compensation laws used by most states.
Workers compensation laws were enacted to:
    •    Allow for a reliable source of income and benefits for the injured
    •    Encourage safety in the workplace
    •    Avoid court delays.
California workers compensation law is a typical example. Under the various state and federal workers compensation laws, an employee will receive certain funds and benefits regardless of fault or negligence.
What Workers Compensation Laws Can and Cannot Do
Although they provide protection to injured employees, workers compensation laws do have some limitations, and there is a fair amount of misunderstanding about what workers compensation laws can and cannot do. For example, independent contractors are not eligible to collect benefits under workers compensation laws, but the definition of an "independent contractor" is often vague at best.
Limitations on Workers Compensation Benefits
In addition, injured parties who are entitled to benefits under workers compensation laws aren't getting a blank check — there are very specific limitations on the amount and types of funds that can be recovered. For instance, there is no provision for money for things such as "pain and suffering" in the workers compensation laws used by most states.

How a Workers Compensation Law Firm Can Help

Because of the amount of variance between the workers compensation laws from one state to another, it is strongly advised that injured employees consult a workers compensation lawyer who understands the laws that apply to their specific circumstances. An attorney for workers compensation matters will be qualified to interpret the state and federal laws will be able to provide legal guidance and assistance to ensure full recovery of all funds to which the claimant is entitled. For more information or to schedule a private consultation with a workers compensation attorney in your area, contact us today.

A significant portion of all accidental injuries occur in the workplace. While many work related injuries tend to be minor, more serious injuries – including permanent disability and death – can and do occur. Fortunately, when an injury is sustained in the workplace, workers have a legal right to pursue compensation by making a claim through workers compensation.
If you have been injured in the workplace, you need to ensure that your legal rights are protected. Please contact us today to speak with an experienced workers compensation attorney free of charge.

About Workers Compensation

All employers are required to keep workers compensation insurance. Workers compensation laws exist to protect both the worker and the employer in the event of a work injury. These laws ensure that employees who are harmed while on the job receive proper compensation for their injury, including medical expenses and lost wages. Workers compensation also enables dependents of workers who are killed on the job to receive compensation for their losses.
Some criticize workers compensation because it can restrict a worker who may have been seriously victimized, or very seriously hurt, from seeking larger amounts of compensation if they feel it is due. Workers compensation does limit such lawsuits, but it does not disallow them altogether. A qualified attorney can evaluate your case and determine your eligibility to file an additional personal injury claim.
Injuries Covered by Workers Compensation
Workers compensation covers most injuries a person can sustain while working, including injuries incurred through ones own fault. It does not, however, cover injuries sustained while the worker was intoxicated or under the effect of illegal drugs. Nor does workers compensation cover injuries sustained in the course of a crime. Some of the more common injuries workers compensation does cover are:
    •    Worsened preexisting injuries, such as back injuries
    •    Diseases contracted in the workplace due to repeated or prolonged exposure to dangerous substances such as asbestos causing Mesothelioma
    •    Mental or physical work-related stress
    •    Injuries caused by machinery
    •    Slip and fall accidents
    •    Repetitive stress injuries such as carpal tunnel syndrome

Injuries sustained during breaks, lunch hours, and while at company-sponsored events are all covered by workers compensation.

The Most Common On The Job Accidents , Injuries for Men

  • Overexertion
  • Falling
  • Being struck by an object
  • Falling to a lower level


The Most Common on the Job Injuries for Women

  • Overexertion
  • Falling
  • Repetitive motion
  • Assaults by a violent individual

The Most Common Injuries

 The most common workers compensation injury is an injury to the back.  On average over the last several years about 20% of all accepted workers compensation claims are back related, with men reporting almost twice as many back injuries as women.

After injuries to the back, the most commonly reported injury is actually an injury to more than one body part as a result of a single event or incident. Multiple body part injuries account for about 13% of all accepted claims.

About 12% of all worker's compensation injuries are to the leg. In descending order, the next most common injuries are to the:

  • Fingers 
  • Wrists
  • Head
  • Ankles

Most Common Construction Site Injuries

  • Construction Site falls
  • Crane accidents
  • Scaffolding Accidents
  • Run over by Operating Equipment
  • Electrical Accidents
  • Trench collapses
  • Explosions and welding Accidents
  • Unsafe dangerous Equipment Accidents
  • Logging Accidents
  • Brazing Accidents
  • Cutting Accidents
  • Elevator Accidents
  • Structure failure
  • Building Collapse
  • Supervisor negligence
  • Punch press malfunctions
  • Fork Lift Accidents
  • Dumpster accidents
  • Nailgun accidents
  • Compressor Accidents
  • Exploding Compressor
  • Gas Explosions















Legal Action for a Workers Compensation Case
Workers compensation is a system of laws with guidelines and procedures that vary from occupation to occupation, and from state to state. Those considering seeking workers compensation should seek the counsel of a qualified workers compensation lawyer.
Workers compensation insurance is required for almost all employers in the U.S. that have at least three employees. State and federal laws require that employers carry workers compensation insurance in order to protect employees injured or killed on the job or made ill by the conditions at their place of work. The benefits typically covered by workers compensation insurance are:
    ▪    medical bills
    ▪    disability income
    ▪    a portion of lost wages
    ▪    vocational rehabilitation
    ▪    death benefits for the dependents of a deceased employee
The amount of workers compensation insurance coverage is mandated by the state; thus, benefits do not vary between employers within the same state. The Texas and California workers compensation systems are two of the largest workers comp. systems in the United States. The federal version of workers compensation insurance is provided for employees of the federal government, and others.
State and federal laws require that employers carry workers compensation insurance in order to provide for employees injured or killed on the job. Benefits provided to employees include a portion of workers compensation lost wages, medical bills, vocational rehabilitation, and death benefits. The amount of workers compensation insurance coverage is mandated by the state-benefits do not vary between companies within the same state, although workers compensation insurance policies in different states may not be similar.

How Workers Compensation Insurance Works
The cost of a workers compensation insurance policy is the responsibility of the employer, who pays all premiums. When workers or their dependents file claims for workers compensation benefits, the insurance companies pay out the income and cover the cost of benefits. In this way, workers compensation insurance protects the employer from any other liability, and protects employees by providing benefits in the case of injury.
If an employer does not carry workers compensation insurance, or does not carry the required amount, the employer can be held responsible for the amount that would have been paid for by the workers compensation insurance companies. Additionally, employers may be subject to severe fines and even jail time for failing to carry a sufficient workers compensation insurance policy.
Benefits from Workers Compensation Insurance
In the case of injury or death on the job site, employees should file a claim with the workers compensation insurance system in their state (or the federal government, for federal employees) as soon as possible. It is the legal duty of the employer to ensure that injured employees get the benefits to which they are entitled without delay. In cases of extreme negligence, workers compensation insurance may not protect the employer from litigation stemming from a job-related injury or death.

Workers Compensation Insurance Cost
The cost of a workers compensation insurance policy is the responsibility of the employer, who pays all premiums. In the case that a workers compensation insurance claim is filed by an employee, the insuring company pays the required amount. In this way, workers compensation insurance protects the employer from any other liability, as well as protecting the employee by providing benefits in the case of injury. If an employer does not carry workers compensation insurance, or does not carry the required amount, then the employer can be held responsible for the amount that would have been paid for by the workers compensation insurance. Additionally, employees may be subject to severe fines and even jail time for failing to carry sufficient workers compensation insurance policy.

When an individual is injured on the job, members of the Workers Compensation Commission are responsible for determining the level of benefits he or she is eligible for. The commission, also known (in certain states) as the Workers Compensation Board, serves as the decision maker when it comes to workers compensation benefits. The Texas and Illinois workers compensation systems have the largest workers compensation commissions in the U.S.

Most Large Employers Required to Contribute
The Workers Compensation commission or board in nearly all 50 states (the Texas workers compensation commission is the sole exception) is part of a state system that requires every employer with three or more employees to pay into the states Workers Comp system, so that when an employee is made ill by conditions at the workplace, or is injured in an accident at work, there will be a substantial fund of money from which workers comp benefits can be drawn.
State Specific Requirements and Guidelines
In most cases, full-time, part-time, and even temporary employees are covered under their states workers compensation system. The Commission or Board in your state has the specific guidelines and rules that both employers and employees must follow to process a request for benefits, which are usually a minimum of:
    •    Income benefits (to replace the income that a worker loses when he or she cant work due to the job-related illness or injury)
    •    Medical benefits (to cover the costs of the workers medical care, including rehabilitation or recovery care)

Pursuing a Workers Compensation Claim
Whether or not you have contacted your states workers compensation commission, it's a good idea to consult a workers compensation attorney near your home who will evaluate your injury and help you recover the compensation you are entitled to.
A workers comp attorney will help you by:
    •    Getting all of the documentation relevant to your injury or illness
    •    Correctly and thoroughly completing the forms and requirements laid out by the workers compensation commission
    •    Appearing and speaking on your behalf at your workers comp hearing and/or appeal hearing
    •    Interceding with physicians to work out agreements for them to wait for payment of services until the workers comp settlement is paid out

Work related injuries could limit or end your ability to perform your usual occupation. Whether these work related injuries last a few days or the remainder of your life, their affects are far-reaching. Work related injuries can result in permanent disability. Often, they result in financial losses: work related injuries can require costly medical treatment and recuperation time may mean lost wages.
Work related injuries are any injuries or illnesses that result from the employees required job duties. Work related injuries can happen at any mandatory event or location, or whenever the employee is being paid.

Workers Compensation for Work Related Injuries

Work related injuries can be settled quickly and easily, but sometimes involve extensive litigation. Those who suffer work related injuries should report them as soon as possible to their employer using the proper forms. Work related injuries should also be investigated by a physician, as medical evidence for claims of work related injuries is generally required in the form of a physicians statement. Evidence of work related injuries allows the victim to qualify for workers compensation and associated workers comp benefits. While the documentation for work related injuries is usually submitted through the employer, generally a state or federal workers compensation office decides the work related injuries claims.
Work Related Injury Lawyer
If you or a loved one has suffered as a result of work related injuries, you may wish to investigate your legal rights. Individuals with work related injuries often recover the cost of treatment and hospitalization, as well as be entitled to other benefits that could include workers compensation lost wages. A workers compensation attorney might be able to help you determine the best course of action to take.

While Georgia and Florida have their own workers compensation act, the federal government has also implemented several workers compensation acts in an effort to protect workers’ safety. The main purpose of each of these workers compensation laws (acts) is to compensate and provide medical care for:
    •    workers who are injured while on the job in Georgia and Florida
    •    those who are made ill or disabled by conditions at their jobs, and
    •    the surviving dependents of a worker who is killed on the job or dies from an illness incurred because of his or her job conditions
Each state and the federal government each have their own Workers Compensation Act which compensates workers who are injured during the course of their employment. Each workers compensation act is designed so that employees can receive fixed monetary compensation for their injuries without the need for legal action. The workers compensation act that is applicable to an individuals employment is dependent upon who they are employed by and the industry they are employed in.
Workers Compensation Benefits Depend on Several Factors
Each workers compensation act is designed so that employees can receive medical care and fixed monetary compensation for their injuries without the need for legal action. The workers compensation act that is applicable to an individual's employment depends on:
    •    the state he or she is working in
    •    who he or she is employed by
    •    the industry that employs him or her

State Workers Compensation Acts
Most states have their own workers compensation act that details the workers compensation benefits that people employed in that state are eligible to receive. The specific laws in each state vary. Among the states that provide their own workers compensation acts and systems are:
    •    Alabama Workers Compensation
    •    Illinois Workers Compensation
    •    Pennsylvania Workers Compensation
    •    Indiana Workers Compensation
    •    Louisiana Workers Compensation
    •    Texas Workers Compensation
    •    California Workers Compensation

Florida and Georgia do not.

The Federal Workers Compensation Act
The federal government has a workers compensation act (the Federal Employees' Compensation Act, or FECA) that covers all non-military personnel employed by the U.S. (federal) government. Enforcement and administration of all laws contained within the federal workers compensation act rests with the Office of Workers Compensation Programs.
There are some cases of disability and death that are not covered by a federal workers compensation act. These include cases where the employee was injured:
    •    because of self-inflicted harm
    •    while under the influence of drugs or alcohol, or
    •    while violating some employee policy
In cases of death, the beneficiaries of the decedent are eligible to seek compensation for the monetary damages resulting from the fatal injury.
Industry-Specific Workers Compensation Acts
    •    The Federal Employment Liability Act (FELA) applies to injured, disabled or killed railroad workers.
    •    The Merchant Marine Act/Jones Act is a federal workers compensation act for "seapersons."
    •    The Longshore and Harbor Workers Compensation Act is for employees who become disabled from injuries that occur on the navigable waters of the U.S. or in adjoining areas that are for used for loading/unloading, building, or repairing a vessel. The LHWCA also provides benefits for such employees' dependents after a work-related death.
    •    The Black Lung Benefits Workers Compensation Act protects workers who are injured in the mining industry.
    •    The Energy Employees Occupational Illness Workers Compensation Act provides protection to employees of the Department of Energy who are killed or injured during the course of their employment.

Types of Federal Workers Compensation Act
There are a few types of federal workers compensation act that cover employees in particular industries. The Federal Employment Liability Act is the workers compensation act that applies to injured, disabled or killed railroad workers. Given the dangers of railroad work, special protections are offered to these employees through this workers compensation act.
The Merchant Marine Act/ Jones Act is a federal workers compensation law that provides benefits to seapersons when they are injured or killed on the job. There is a similar workers compensation act called the Longshore and Harbor Workers Compensation Act. This workers compensation act provides compensation to persons who suffer an occupational disease that arises out of employment that occurs on the navigable waters of the United States or any adjoining waters.
The federal government also governs two other workers compensation acts for specific federal employees. The Black Lung Benefits workers compensation act protects workers who are injured in the mining industry. The Energy Employees Occupational Illness workers compensation act provides workers compensation protection to those persons employed by the Department of Energy who are killed or injured during the course of their employment.

Workers compensation law is a complex and ever-changing field. To get the most effective and knowledgeable assistance, you should speak with an experienced workers compensation attorney near you who understands the laws governing your state. A workers compensation lawyer will be able to thoroughly evaluate your case and fight to ensure you recover the compensation you are entitled to. To schedule a private consultation, please contact us today.
Each state also has their own workers compensation act that details the benefits that people employed in that state are eligible to receive. These benefits are similar to those offered by the federal government, though the specific laws in each state may vary.
All 50 states and the federal government currently have workers compensation laws in effect. In the case that employees become ill or injured, or dies in the course of their employment workers compensation laws spell out the entitlement of the employees or their families/dependents to collect workers compensation benefits. Workers compensation laws protect the employee and the employer alike, by guaranteeing a certain amount of financial protection for each party.
Workers compensation laws are in effect at both the state and federal level to protect the incomes of employees who are injured, become ill or die due to conditions at their places of work. A vast and complex patchwork of workers compensation laws spell out the entitlement of employees or their families/dependents to collect workers compensation benefits. In addition, workers compensation laws protect both employees and their employers by guaranteeing a certain amount of financial protection for each party.

Job Safety Protected by Workers Compensation Laws
Workers compensation laws were enacted to avoid court delays, encourage safety in the workplace, and allow for a reliable source of income and benefits. Under workers compensation laws, an employee will receive certain funds and benefits, regardless of fault or negligence. The payment of workers compensation is virtually automatic, so long as the employees claim follows the workers compensation laws of the state and federal governments.
Although they do afford some protection to injured employees, there are some limitations to workers compensation laws, and even more misunderstandings about what they mean. Independent contractors are not eligible to collect benefits under workers compensation laws, although the definition of an "independent contractor" is often vague at best. Injured parties who are entitled to claims under workers compensation laws are not getting a blank check-there are very specific limitations on the amounts and types of funds that can be recovered under workers compensation laws. For instance, there is no provision for special sums of money for things such as "pain and suffering" in the workers compensation laws used by most states.
Workers compensation laws were enacted to:
    •    Allow for a reliable source of income and benefits for the injured
    •    Encourage safety in the workplace
    •    Avoid court delays.
California workers compensation law is a typical example. Under the various state and federal workers compensation laws, an employee will receive certain funds and benefits regardless of fault or negligence.
What Workers Compensation Laws Can and Cannot Do
Although they provide protection to injured employees, workers compensation laws do have some limitations, and there is a fair amount of misunderstanding about what workers compensation laws can and cannot do. For example, independent contractors are not eligible to collect benefits under workers compensation laws, but the definition of an "independent contractor" is often vague at best.
Limitations on Workers Compensation Benefits
In addition, injured parties who are entitled to benefits under workers compensation laws aren't getting a blank check — there are very specific limitations on the amount and types of funds that can be recovered. For instance, there is no provision for money for things such as "pain and suffering" in the workers compensation laws used by most states.

How a Workers Compensation Law Firm Can Help
Because of the amount of variance between the workers compensation laws from one state to another, it is strongly advised that injured employees consult a workers compensation lawyer who understands the laws that apply to their specific circumstances. An attorney for workers compensation matters will be qualified to interpret the state and federal laws will be able to provide legal guidance and assistance to ensure full recovery of all funds to which the claimant is entitled. For more information or to schedule a private consultation with a workers compensation attorney in your area, contact us today.

A significant portion of all accidental injuries occur in the workplace. While many work related injuries tend to be minor, more serious injuries – including permanent disability and death – can and do occur. Fortunately, when an injury is sustained in the workplace, workers have a legal right to pursue compensation by making a claim through workers compensation.
If you have been injured in the workplace, you need to ensure that your legal rights are protected. Please contact us today to speak with an experienced workers compensation attorney free of charge.

About Workers Compensation
All employers are required to keep workers compensation insurance. Workers compensation laws exist to protect both the worker and the employer in the event of a work injury. These laws ensure that employees who are harmed while on the job receive proper compensation for their injury, including medical expenses and lost wages. Workers compensation also enables dependents of workers who are killed on the job to receive compensation for their losses.
Some criticize workers compensation because it can restrict a worker who may have been seriously victimized, or very seriously hurt, from seeking larger amounts of compensation if they feel it is due. Workers compensation does limit such lawsuits, but it does not disallow them altogether. A qualified attorney can evaluate your case and determine your eligibility to file an additional personal injury claim.
Injuries Covered by Workers Compensation
Workers compensation covers most injuries a person can sustain while working, including injuries incurred through ones own fault. It does not, however, cover injuries sustained while the worker was intoxicated or under the effect of illegal drugs. Nor does workers compensation cover injuries sustained in the course of a crime. Some of the more common injuries workers compensation does cover are:
    •    Worsened preexisting injuries, such as back injuries
    •    Diseases contracted in the workplace due to repeated or prolonged exposure to dangerous substances such as asbestos
    •    Mental or physical work-related stress
    •    Injuries caused by machinery
    •    Slip and fall accidents
    •    Repetitive stress injuries such as carpal tunnel syndrome
Injuries sustained during breaks, lunch hours, and while at company-sponsored events are all covered by workers compensation.

 A Workers Compensation Case
Workers compensation is a system of laws with guidelines and procedures that vary from occupation to occupation, and from state to state. Those considering seeking workers compensation should seek the counsel of a qualified workers compensation lawyer.
Workers compensation insurance is required for almost all employers in the U.S. that have at least three employees. State and federal laws require that employers carry workers compensation insurance in order to protect employees injured or killed on the job or made ill by the conditions at their place of work. The benefits typically covered by workers compensation insurance are:
    ▪    medical bills
    ▪    disability income
    ▪    a portion of lost wages
    ▪    vocational rehabilitation
    ▪    death benefits for the dependents of a deceased employee
The amount of workers compensation insurance coverage is mandated by the state; thus, benefits do not vary between employers within the same state. The Texas and California workers compensation systems are two of the largest workers comp. systems in the United States. The federal version of workers compensation insurance is provided for employees of the federal government, and others.
State and federal laws require that employers carry workers compensation insurance in order to provide for employees injured or killed on the job. Benefits provided to employees include a portion of workers compensation lost wages, medical bills, vocational rehabilitation, and death benefits. The amount of workers compensation insurance coverage is mandated by the state-benefits do not vary between companies within the same state, although workers compensation insurance policies in different states may not be similar.

How Workers Compensation Insurance Works
The cost of a workers compensation insurance policy is the responsibility of the employer, who pays all premiums. When workers or their dependents file claims for workers compensation benefits, the insurance companies pay out the income and cover the cost of benefits. In this way, workers compensation insurance protects the employer from any other liability, and protects employees by providing benefits in the case of injury.
If an employer does not carry workers compensation insurance, or does not carry the required amount, the employer can be held responsible for the amount that would have been paid for by the workers compensation insurance companies. Additionally, employers may be subject to severe fines and even jail time for failing to carry a sufficient workers compensation insurance policy.
Benefits from Workers Compensation Insurance
In the case of injury or death on the job site, employees should file a claim with the workers compensation insurance system in their state (or the federal government, for federal employees) as soon as possible. It is the legal duty of the employer to ensure that injured employees get the benefits to which they are entitled without delay. In cases of extreme negligence, workers compensation insurance may not protect the employer from litigation stemming from a job-related injury or death.
Workers Compensation Insurance Cost
The cost of a workers compensation insurance policy is the responsibility of the employer, who pays all premiums. In the case that a workers compensation insurance claim is filed by an employee, the insuring company pays the required amount. In this way, workers compensation insurance protects the employer from any other liability, as well as protecting the employee by providing benefits in the case of injury. If an employer does not carry workers compensation insurance, or does not carry the required amount, then the employer can be held responsible for the amount that would have been paid for by the workers compensation insurance. Additionally, employees may be subject to severe fines and even jail time for failing to carry sufficient workers compensation insurance policy.

When an individual is injured on the job, members of the Workers Compensation Commission are responsible for determining the level of benefits he or she is eligible for. The commission, also known (in certain states) as the Workers Compensation Board, serves as the decision maker when it comes to workers compensation benefits. The Texas and Illinois workers compensation systems have the largest workers compensation commissions in the U.S.

Most Large Employers Required to Contribute
The Workers Compensation commission or board in nearly all 50 states (the Texas workers compensation commission is the sole exception) is part of a state system that requires every employer with three or more employees to pay into the states Workers Comp system, so that when an employee is made ill by conditions at the workplace, or is injured in an accident at work, there will be a substantial fund of money from which workers comp benefits can be drawn.
State Specific Requirements and Guidelines
In most cases, full-time, part-time, and even temporary employees are covered under their states workers compensation system. The Commission or Board in your state has the specific guidelines and rules that both employers and employees must follow to process a request for benefits, which are usually a minimum of:
    •    Income benefits (to replace the income that a worker loses when he or she cant work due to the job-related illness or injury)
    •    Medical benefits (to cover the costs of the workers medical care, including rehabilitation or recovery care)

Pursuing a Workers Compensation Claim
Whether or not you have contacted your states workers compensation commission, it's a good idea to consult a workers compensation attorney near your home who will evaluate your injury and help you recover the compensation you are entitled to.
A   Workers Compensation Attorney can Help you  by:
    •    Getting all of the documentation relevant to your injury or illness
    •    Correctly and thoroughly completing the forms and requirements laid out by the workers compensation commission
    •    Appearing and speaking on your behalf at your workers comp hearing and/or appeal hearing
    •    Interceding with physicians to work out agreements for them to wait for payment of services until the workers comp settlement is paid out

Work related injuries could limit or end your ability to perform your usual occupation. Whether these work related injuries last a few days or the remainder of your life, their affects are far-reaching. Work related injuries can result in permanent disability. Often, they result in financial losses: work related injuries can require costly medical treatment and recuperation time may mean lost wages.

Work related injuries are any injuries or illnesses that result from the employees required job duties. Work related injuries can happen at any mandatory event or location, or whenever the employee is being paid.

Workers Compensation for Work Related Injuries
Work related injuries can be settled quickly and easily, but sometimes involve extensive litigation. Those who suffer work related injuries should report them as soon as possible to their employer using the proper forms. Work related injuries should also be investigated by a physician, as medical evidence for claims of work related injuries is generally required in the form of a physicians statement. Evidence of work related injuries allows the victim to qualify for workers compensation and associated workers comp benefits. While the documentation for work related injuries is usually submitted through the employer, generally a state or federal workers compensation office decides the work related injuries claims.

Your  Workers Compensation Settlement
A workers compensation settlement determines the provisions of a workers compensation claim with regards to benefit awards. Each local, state, and federal jurisdiction have there own rules that determine the types of settlements that may be available and what these entail. A workers compensation settlement will provide the terms of how and what benefits will be paid out.
Receive Compensation Through a Workers Compensation Settlement
Workers compensation laws were created in order to protect both employees and employers in the event of injuries, disability, and death that arise out of and in the course of a workers employment. These laws provide a “no fault” context in which employees can receive compensation for their injuries without the need for exhaustive and costly legal disputes. Most workers compensation claims are handled in this manner without the need for dispute or litigation.
Workers compensation insurance must be purchased by an employer and is usually obtained from a private insurance company that has clearly established rules that define the benefits injured employees are eligible to receive. As a general rule, there are six types of workers compensation benefits that an employee can receive through a legitimate workers compensation claim. These include:
    •    medical care
    •    temporary disability
    •    permanent disability
    •    vocational rehabilitation
    •    supplemental job displacement
    •    death benefits
In more serious cases of disability and death, a workers compensation settlement can involve some degree of dispute and litigation. This means that a workers compensation settlement must be negotiated through mediations with the relevant department of workers compensation appeals board or some other referee. The help of a legal professional is vital in these cases to ensure that your interests are protected and maximized through negotiations of a workers compensation settlement. Most times, a workers compensation settlement is settled out of court and a disposition is reached without extensive third party intervention.

Types of Workers Compensation Settlements
There are a few different types of workers compensation settlements that might determine the benefits that will be awarded in the event of employment-related death or disability. A stipulated workers compensation settlement is usually desirable when an employee is still employed by the same company. In this type of workers compensation settlement the case can be re-opened for a certain period of time and changes can be made to benefits requirements. A “compromise and release” or “full and final” workers compensation settlement involves compromise and once decided upon cannot be modified even if a victims condition worsens or changes. There is also the option of a structured workers compensation settlement which is similar to the compromise and release and is usually reserved for bigger cases.
In most cases benefits are distributed to a victim over a specified period of time. Only in rare circumstances will a lump sum payment be awarded in a workers compensation settlement. The help of a workers compensation attorney can be a victims best advocate in the workers compensation settlement process.

A workers compensation premium is what an employer pays an insurance company in order to gain workers compensation insurance for their employees. Employers are required by law to carry this type of insurance and may be subject to criminal charges leading to fines and/or jail time if found without workers compensation insurance coverage. Employers who are found without workers compensation insurance may also lose the right to practice in their professional field.
Local, State and Federal Laws for Workers Compensation
Workers compensation is governed by local, state, and federal law which requires that all employees be covered under workers compensation. Workers compensation laws were created in order to provide employees who suffer legitimate injuries, disability, or death arising as a result of their employment with compensatory benefits. These laws are aimed at preventing legal disputes and provide a “no-fault” system which protects both employees and employers from legal disputes and other adverse consequences of injuries that are sustained on the job.
A private employer is required to become self insures or obtain workers compensation insurance from a private licensed insurance company or a state insurance company that is authorized to provide workers compensation insurance. A workers compensation premium is the payment that an employer pays the insurance company in exchange for coverage. The responsibility of paying a workers compensation premium rests solely on the employer, and it is unlawful for employees to contribute to workers compensation insurance.

Workers Compensation Premium Factors

A workers compensation premium is determined by a number of factors. The amount of money that is required to meet a workers compensation premium payment is determined by: the businesss industry classification, the companys past history of work related injuries, the employers payroll, and any other special considerations such as the use of particular health care providers or participation in any other programs.
The government agencies that administrate and manage workers compensation compliance function with the goal of minimizing the adverse consequences of work injuries on both employers and employees. As a result of these goals, workers compensation agencies provide support and information to both employees and employers. Employers can contact the appropriate agency to find out what is required of them under workers compensation laws. Employers can also receive helpful information such as ways to lawfully reduce a workers compensation premium.

Workers Compensation Lawyers Protect your Rights

It is important to note that an employer commits workers compensation fraud if s/he unlawfully manipulates the facts in order to lower their workers compensation premium. This deceitful manipulation of the factors relevant to a workers compensation premium can include any falsification of facts, including the number of employees that are to be covered or the nature of their work. Paying a workers compensation premium is considered part of the cost of running a business, and is therefore considered wholly the responsibility of employers. Employers can be held legally liable for any breech of this requirement.

If you or a loved one have been injured while on the job it is important that you contact an experienced workers compensation attorney in your state. Workers compensation laws vary by state, and legislation can be complex, which is why it is very important to obtain the legal counsel of a workers comp lawyer who is familiar with your state's laws. Contact us today for a free consultation

Lost wages resulting from a work related accident or disability can often be recovered through legal action. Lost wages are generally recovered as part of the damages due a plaintiff under state workers compensation laws. Lost wages do not include future earnings, only the regular wages the plaintiff would have earned.
Lost wages cover time spent unable to work, as well as time missed due to treatment. Obtaining the workers compensation lost wages benefit may require expert testimony as to your particular condition or injury. Entitlement to lost wages does not depend upon type of work or full-time employment, and self-employed persons can recover lost wages as well. Even if you received sick or vacation pay, lost wages may be due, since injury required you to use vacation/sick days, resulting in lost wages for that period. Sick or vacation pay is generally not regarded as replacing an individual’s lost wages. You may be eligible for reimbursement for missed work opportunities, in addition to any lost wages you have suffered, although missed job interviews or promotions are more difficult to prove than lost wages themselves.

Lost Wages and Legal Action
You must have medical authorization to be off work to file a workers compensation claim for lost wages. Generally speaking, the treating physician must submit a statement that you are recovering from injuries. Lost wages as a result of self-diagnosis are generally not considered recoverable by legal means.
Lost wages claims require specific documentation, including a statement from your employer indicating your position and income. Lost wages cannot be accurately calculated without some proof of your normal working hours and pay. Any lost wages claims should also include documentation from a physician stating dates of recovery and type of injury/illness. Lost wages claims filed by the self-employed can be more difficult to prove, requiring more detailed documentation: lost wages calculations for the self-employed rely heavily on past earnings to determine the amount of lost wages due to injury or illness. Tax documents, contracts, invoices and billing statements can help determine lost wages for the self-employed. Letters from customers who would have used your services can indicate lost wages as well.

Workers compensation investigations are conducted when any party involved in the workers compensation process suspects fraud or some other wrong committed on behalf of another party that caused injury to the former party. Workers compensation investigations are pursued through the appropriate local, state, or federal workers compensation department. In most cases, a victim of suspected wrongdoing greatly benefits from the aid of a professional legal expert during these workers compensation investigations.

Investigations Help Detecting Fraud, Whistleblowers and Qui TAM
Workers compensation investigations can investigate alleged wrongdoing or fraudulent activity that is committed by any party involved in workers compensation claims. An employee may be the subject of workers compensation investigations when they attempt to collect workers compensation for disability when, in truth, they are capable of working or when they are collecting workers compensation benefits while receiving income from another job. Any falsification of a workers compensation claim on behalf of an employee can lead to workers compensation investigations. If you are aware of Fraud against the Government regarding workers compensation and report it you may be eligible for compensation under the Government Fraud Act or QUI Tam. Whistleblowers can receive substantial pay for reporting employer  Government fraud.
Employers may also be the subject of workers compensation investigations. These investigations can be the result of an employer pressuring an employee not to file a legitimate claim, or providing misinformation which discourages valid action on behalf of an employee who is injured, disabled or killed as a result of their employment. Employers may also be the subject of workers compensation investigations when they fail to obtain proper workers compensation insurance, or commit any type of dishonest or fraudulent activity in regards to this insurance.
Insurance providers, medical professionals, and others who provide services to injured workers can also be the subject of workers compensation investigations. This can result from improper claim processing or any other type of activity which unlawfully harms any party involved in the workers compensation process.

Seek Compensation if You Have Been Injured at Work
If any type of fraud is suspected on behalf of any of these parties, the victim has the right to seek corrective action and compensation for the losses they have suffered as a result. Workers compensation investigations are handled by the appropriate local, state or federal government agency that governs workers compensation laws. The federal government and most state departments have an appeals board who hears the evidence gathered in workers compensation investigations. The victims of fraud have the right to legal representation in these proceedings. Legal representation can be greatly beneficial for victims of workers compensation fraud because these experts have the knowledge and experience to maximize and protect a victims legal interests.
Workers compensation investigations of fraudulent activity can result in strict penalties for those who violate workers compensation regulations. Workers compensation fraud adversely affects the economy, tax payer dollars, public agency resources, and those individual victims of fraud. Therefore, workers compensation investigations can lead to misdemeanor and felony charges brought against the fraudulent or negligent liable party.
Workers compensation law is complex and continually changing. To obtain the most effective and knowledgeable assistance, you should speak with a qualified and experienced workers compensation attorney near you who understands the laws governing your state.
Workers compensation insurance is required for almost all employers in the U.S. that have at least three employees. State and federal laws require that employers carry workers compensation insurance in order to protect employees injured or killed on the job or made ill by the conditions at their place of work. The benefits typically covered by workers compensation insurance are:
    ▪    medical bills
    ▪    disability income
    ▪    a portion of lost wages
    ▪    vocational rehabilitation
    ▪    death benefits for the dependents of a deceased employee
The amount of workers compensation insurance coverage is mandated by the state; thus, benefits do not vary between employers within the same state. The Texas and California workers compensation systems are two of the largest workers comp systems in the United States. The federal version of workers compensation insurance is provided for employees of the federal government, and others.
State and federal laws require that employers carry workers compensation insurance in order to provide for employees injured or killed on the job. Benefits provided to employees include a portion of workers compensation lost wages, medical bills, vocational rehabilitation, and death benefits. The amount of workers compensation insurance coverage is mandated by the state-benefits do not vary between companies within the same state, although workers compensation insurance policies in different states may not be similar.

How Workers Compensation Insurance Works

The cost of a workers compensation insurance policy is the responsibility of the employer, who pays all premiums. When workers or their dependents file claims for workers compensation benefits, the insurance companies pay out the income and cover the cost of benefits. In this way, workers compensation insurance protects the employer from any other liability, and protects employees by providing benefits in the case of injury.
If an employer does not carry workers compensation insurance, or does not carry the required amount, the employer can be held responsible for the amount that would have been paid for by the workers compensation insurance companies. Additionally, employers may be subject to severe fines and even jail time for failing to carry a sufficient workers compensation insurance policy.

Benefits from Workers Compensation Insurance

In the case of injury or death on the job site, employees should file a claim with the workers compensation insurance system in their state (or the federal government, for federal employees) as soon as possible. It is the legal duty of the employer to ensure that injured employees get the benefits to which they are entitled without delay. In cases of extreme negligence, workers compensation insurance may not protect the employer from litigation stemming from a job-related injury or death.