Although employers and employees are required to follow strict health and safety regulations, a significant number of people still sustain work-related injuries. In fact, it’s estimated that a worker is injured every seven seconds in the U.S. With so many people sustaining occupational illnesses and injuries, it’s important to know what action you can take after a workplace accident.
Are You Eligible to Claim Compensation?
If you’re an employee and you’ve been injured or become unwell due to a work-related activity, there’s a good chance you’ll be entitled to claim compensation. While you can typically claim workers’ compensation for a work-related injury or illness, regardless of who is at fault, you may be able to claim against your employer if they have been negligent in some way.
To determine what type of claim you can make, it’s important to access legal advice. By working with personal injury attorneys, you can determine what compensation you’re entitled to and how much compensation you could receive.
What Injuries Can You Claim For?
Many people assume that you can only claim compensation for very serious or life-changing injuries. However, you can obtain compensation for other types of injuries. Cuts, lacerations, sprains, and fractured bones may heal in time, but this doesn’t prevent you from obtaining compensation for them.
Slips, trips, and falls account for a vast number of work-related injuries. While some falls may be relatively minor, others can easily cause serious injuries, including traumatic brain injuries or spinal damage. Similarly, falling from height is a common work-related injury that can result in serious, life-threatening, or fatal injuries. If something like this happens to you, consulting lawyers such as those at clinelawyers.com would be a great option for you.
Additionally, people may sustain workplace injuries if they’re hit by falling objects, involved in a work-related vehicular accident or if an incident of workplace violence occurs. When workers are overexerted or required to perform repetitive motions for long periods, this can also be a primary cause of injury.
As well as being injured at work, people can also develop illnesses due to their working conditions. Occupational illnesses can have serious consequences, so it’s well worth seeking legal advice if you believe you’ve contracted an illness due to your work.
What to do in case of an injury at work?
In case of an accident, the insured should immediately go to the doctor or call him, to perform an examination and provide assistance.
The insured is obliged to follow the doctor’s instructions regarding treatment and to take all necessary steps in order to be cured.
The report of the insured case must be made in writing. In case of the death of the insured due to an accident, the policyholder is obliged to report the case to the insurance in writing and to provide and enclose all the necessary documentation.
Insured case report – accidents
An insured person who has had an accident and wishes to receive compensation based on the contracted accident insurance must fill in all sections of the Accident Report form and enclose all medical and other documentation related to the accident according to the list:
• photocopy of all specialist findings, original X-ray, CT, MRI, ultrasound images obtained during diagnostic processing and treatment,
• card of physical therapy, if the therapy was determined under professional guidance,
• hospital discharge,
• a copy of the sick leave report (so-called remittances) and a completed certificate of absence from work due to an accident (on the back of the form), if the employer is an insurance contract,
• photocopy of Occupational Injury Reports – to be completed by the employer and the doctor in the event of an accident at work,
• photocopy of the document of the Council of Physicians of Medicine (first instance medical commission) issued by the Public Institution Institute for Occupational Medicine, on extended sick leave,
• photocopy of ID card and photocopy of driver’s license (both sides) in case of a traffic accident,
• if you did not receive any of the above documents at the time of treatment of the consequences of the accident, you must enclose a photocopy or medical record from the medical record relating to the accident
• the original policy to which the supplementary accident insurance is linked (mixed life insurance policy or life insurance risk) or a copy of the accident insurance policy
The insurance company may require other evidence necessary to determine the right to payment. All documents submitted to the insurer can be originals or certified copies.
The completed form together with the accompanying documents is submitted to the competent Branch or sent by mail.
How Much Compensation Can You Claim?
The amount of compensation you receive will depend on the various elements of your claim. The seriousness of your injuries will have an impact on how much compensation you’re awarded, for example. Similarly, if your injuries or illness will have permanent consequences, you may receive more compensation than if you have sustained temporary harm.
The financial impact of your injuries or illness will also be taken into account when your compensation is calculated. The cost of your medical bills, as well as any wages you’ve lost, should be incorporated into your compensation award.
However, you’ll need to ensure you’re probably represented if you want to get the compensation you deserve. When you have experienced personal injury attorneys working on your behalf, you can be confident that you’ll get the best possible settlement.
Conclusion
Don’t play with things you can’t predict and choose the appropriate form of accident insurance.
From birth to old age, we are at risk of accidents. No matter how careful they were, accidents happen at work, on the street, at school, in kindergarten, at college, at home, at a game, training and the like.
When taking out insurance against the consequences of an accident, it is important that you choose the form of insurance that is right for you. According to the General Terms and Conditions of Insurance, persons between 14 and 70 years of age can be insured. Younger and older people can be insured under special and additional conditions
