Workers’ compensation is a crucial safety net for employees who suffer injuries while on the job, but there are many misconceptions about how it works. These misunderstandings can lead to confusion and frustration when workers are trying to get the benefits they deserve. Attorneys like those at Polsky, Shouldice & Rosen, P.C. can attest to the importance of clearing up these myths and ensuring that injured workers fully understand their rights. Below are some common misconceptions about workers’ compensation.
Workers’ Compensation Is Only For Serious Injuries
One of the most common misconceptions is that workers’ compensation is only available for serious or life-threatening injuries. Many people think that if the injury isn’t severe enough to cause permanent disability or require extensive medical treatment, they won’t be eligible for benefits. However, this is not the case. Even minor injuries, such as sprains, strains, or repetitive stress injuries, may qualify for workers’ compensation if they occur in the course of employment. Workers compensation covers a wide range of injuries, from the very minor to the very severe.
You Can’t Sue Your Employer If You’re Injured At Work
Another misconception is that if you are injured at work, you can’t sue your employer for damages. Workers’ compensation is generally designed to be a no-fault system, which means you do not need to prove that your employer was negligent to qualify for benefits. This system is meant to protect both the worker and the employer by providing quick access to medical care and compensation without the need for lengthy lawsuits. However, there are some situations where workers may be able to file a lawsuit, such as if a third party was responsible for the injury or if the employer intentionally caused harm.
You Lose Your Right To Workers Compensation Benefits If You Return To Work
Many workers believe that if they return to work before they have fully recovered, they will lose their right to workers’ compensation benefits. In reality, returning to work does not automatically disqualify you from benefits. Workers’ compensation laws are designed to support workers through their recovery, whether they are working in a reduced capacity or not working at all. If a worker returns to work but is still receiving medical treatment for the injury, they may still be eligible for ongoing benefits or even temporary disability payments.
You Have To Accept The First Offer From Workers Compensation Insurance
Some workers think that once the insurance company makes an offer for workers’ compensation benefits, they must accept it. This is another misunderstanding. Insurance companies often offer settlements that may seem fair at first glance, but they may not cover all the medical expenses or long-term needs. Workers are entitled to seek legal advice and, if necessary, challenge the offer or negotiate for a higher settlement. In some cases, the settlement may not fully account for lost wages or the impact the injury will have on the worker’s future ability to earn an income.
Moving Forward
Misunderstandings about workers’ compensation can cause unnecessary stress and confusion for injured workers. By clearing up these common myths, workers can better understand their rights and the benefits available to them. Workers Compensation Lawyers can help guide individuals through the process and advocate on their behalf to make sure they receive the compensation and medical care they deserve. Contact a legal advocate today!