If you have suffered from any kind of injury or illness while on the job in Spartanburg, South Carolina, you need to report the incident to your employer and seek medical treatment from an approved physician. Once you have done this, received a diagnosis, and initiated your workers’ compensation claim, you are likely to have some questions about what to expect. Will your employer’s workers’ compensation insurance approve your claim and cover your injuries? Will they pay for wage benefits? Will you be denied? Will you have to appeal? Will you need a lawyer? The answers to these questions will vary by case.
For instance, if your employer regularly employs four or more full or part time workers, and if you are classified as an employee, then you should have coverage, regardless of who was at fault for the incident. However, if extenuating circumstances apply, such as if you were intoxicated or intentionally harmed yourself, or if you were not classified as an employee, then you may not be covered. Then, there are cases where your claim is denied unfairly when you are truly entitled to benefits. If you run into any disputes or difficulties in attempting to get workers’ compensation coverage, then you may need the benefit of a workers’ compensation attorney’s advice and representation.
Wage Benefits Are Only Provided if You Miss a Minimum of Eight Days of Work
In some cases, you won’t miss any work at all for your injuries. You may have medical expenses to treat the injuries, but if you don’t miss any work, then you won’t get wage benefits. Also, if you do miss work, but it is less than eight days, then you will not receive wage benefits. Once you are out of work for eight days, you will start receiving workers’ compensation for wage benefits at 2/3 your average weekly wage (AWW). If you are out of work for more than 14 days, then you can also receive wage benefits for the first week of missed work. In cases where you do not receive wage benefits as you are supposed to, but are later determined to have been entitled to such benefits, you can recover compensation for all of the back benefits that you did not receive when you were entitled to them.
Of course, being denied wage benefits when you truly need them can put you in a serious bind when it comes to paying your bills. If medical benefits are also denied, then you are facing that much more expense. This is where it is very wise to contact a Spartanburg, South Carolina, workers’ compensation attorney to ensure that you receive the benefits that are owed to you as quickly as possible.
Some Injured Workers in Spartanburg, South Carolina, Receive a Lump Sum Payment
Many people imagine workers’ compensation wage benefits as being only provided in weekly payments. This is usually how workers’ compensation is handled, but is not always the case. Some injured workers in Spartanburg, South Carolina, prefer to receive a lump sum payment, and are able to achieve this. If you wish to seek a lump sum payment for your workers’ compensation claim, you will want to discuss the ins and outs of achieving this goal with the Spartanburg, South Carolina, workers’ compensation attorneys at Double Aught Injury Lawyers
Lump sum payments are generally awarded in cases where you can establish that you are capable of addressing your economic needs by receiving a lump sum and cases where you can establish that the lump sum is required to take care of expenses that have piled up. If you receive this kind of settlement, then you will be closing out your workers’ compensation claim and will not be entitled to future wage benefits. However, your future lost wages will be factored into the lump sum. To find out if you are a candidate for a lump sum workers’ compensation payment, contact Double Aught Injury Lawyers for a FREE consultation.
It is also possible to receive payment for your past, current, and future medical expenses, though this is usually not going to be in your best interests. This is because it can be very difficult to predict exactly how expensive all of your future medical treatment will be. You medical condition may change, and you may find that you need further surgical procedures, further rehabilitation, more costly prescriptions and medical devices, etc. If you settle your future medical expenses before they arise, then you may end up losing out on much needed coverage for more expensive procedures.
There is also the potential that you will require ongoing medical care and daily living assistance. You may think that you will have recovered fully by a given time, and your doctor may even suggest that this is so, but it can be very difficult to accurately predict the future. This is especially so when you are dealing with significant medical needs and a disability that may be more long term than you’d like to believe. When the workers’ compensation insurance company agrees to settle a claim for medical benefits, they are likely to attempt to do so for an amount that is on the low end of what they might expect to pay over time. You don’t want to sign off your rights to future medical coverage if you are going to end up needing more than what the potential settlement would provide for.
Contact Double Aught Injury Lawyers for Answers to Your Questions and Advice on Your Workers’ Compensation Claim
It is not always necessary to hire a Spartanburg, South Carolina, workers’ compensation attorney to handle your claim. However, if you have any questions about your options and how to proceed, or if you are encountering any resistance in receiving benefits, it never hurts to seek a FREE consultation. The attorneys at Double Aught Injury Lawyers are happy to provide such a consultation and get you started on the right path towards making the best decisions for your case.