Injured At Work – What Do You Do To Protect Yourself?
Workers compensation, the very term can bring about confusion. The reality is, most workers do not think about workers’ compensation and how it will affect them until something has already happened. It is important to protect you if you are injured on the job.
Most work injuries are minor in nature and will not medically remove you from work or force you into a new career and that is a good thing. However, with workers’ compensation, depending upon your employer you may not have the easiest time filing a claim. Receiving medical care can be complicated and if you are not careful you can be stuck with the medical bill for the medical care that would fall under workers’ compensation.
Most workers do not want to fight with their employers and simply eat the medical bills or do not pay it, potentially causing damage to their own credit. The workers would rather try to forget about the injury on the job than request that the employer pay the bill through their workers’ compensation insurance policy.
It is common in minor injuries the employer will not file a claim with their workers’ compensation insurance carrier. By not filing the claim, they are not going to risk their insurance premiums increasing. However, there can be a bigger problem if they do not report the injury and the worker realizes the injury is more serious than originally thought.
In this type of scenario, it is critical that the injured worker provide the employer notice of the injury and request medical treatment for the injury. How do you report an injury? Provide it to your employer in writing. To avoid the employer claiming they did not receive the writing, fax it or mail it to them certified for proof that they received what you sent them. It is important that you also keep a copy of what you send the employer regarding your work injury.
Most employers will do the right thing if you report an injury and request medical care, however, there are some who either do not know what to do and mishandle the situation, or intentionally ignore your request knowing that the injured worker only has a short period of time to provide notice to the employer (In Georgia that can be as short as 30 days) of an injury or they could be barred from bringing a claim through workers’ compensation through the courts.
If you are injured on the job, report the injury and request medical care, if the employer appears to be dragging their feet and you are not hearing anything about medical care and have not heard from the workers’ compensation insurance company, you may want to put notice of your injury in writing and either fax or send certified mail prior to any deadlines running, it could be the difference in having a claim and/or fighting to have a claim. Protect yourself and your family.
Ty Wilson Law is a Savannah, Georgia law firm, serving clients who have been injured in an automobile accident or in the workplace.
Ty Wilson Law
1 E. Bay St. #305
Savannah, GA 31401