Congress wanted to make sure that a worker who was injured on the job would be able to pay for medical treatment and have the time off to recover. Therefore they created the workers compensation program. Every company must have an insurance policy that will pay to treat injured workers and pay them a portion of their salary for the time it takes to recover. If the worker is so seriously injured that they will never fully recover, then the workers compensation benefit becomes a lifetime stipend. Many insurance companies balk at paying this much money. It then becomes necessary for the worker to hire a workers compensation lawyer in Wichita to help them.
All insurance companies make their profits by charging high premiums and paying out small claims. In order for medical treatment to be covered, the business has to certify that the worker was injured on the job. If the injury occurred in a well-documented accident, then the insurance company will have to acknowledge that it was work related. However, if the worker claims that they’ve developed a repetitive stress injury in their wrist, they insurance adjuster might say it was the result of playing computer games all night long. The Workers Compensation Lawyer in Wichita will know how to prove that it was work related. He has access to medical experts who will explain the impact of the worker’s job on their wrists.
Usually workers compensation insurance pays about two-thirds of a worker’s salary. If the worker is facing a lifetime of disability, the Workers Compensation Lawyer in Wichita will argue that the insurance settlement has to adjust over time. The worker would have progressed and been promoted. They would have seen their salary increase many times. Both sides will have their actuarial experts to estimate the lifetime value of work that the person would have produced.
The injured worker has to be careful to use the proper doctors. There should be a list of doctors posted in a public space. The doctor must be located near the worker’s home. It is considered unfair to make the worker get treatment far from home.
If the worker needs a specialist and one is not on the list, the law allows them to see a doctor not listed. Visit Warner Law Offices for more information on worker’s compensation.
