If you were hurt through the negligence of another person outside of work, you could sue them and hold them accountable for all of your suffering, including your medical bills, your recovery, damages to your property, and your lost wages. But is the same true when you get hurt at work? With the way workers’ compensation works, not necessarily.
In Pennsylvania, most employers are required to offer workers’ compensation coverage. Most will hire an outside insurance agency that will reimburse employees who are injured on the job. This reimbursement is what is called workers’ compensation. What the law also specifies is how much that coverage needs to cover, which isn’t everything. Even with the most honest workers’ compensation insurance providers, this means they won’t have to give you as much as you need, and there’s a limit on how much you can seek through workers’ compensation.
It’s common for an insurance company to claim that your injury isn’t covered by workers’ compensation, or that their policy doesn’t cover as much as you need. It’s also common for people to have to sue for personal injury damages to get the compensation necessary to survive.
The personal injury attorneys at Scartelli Olszewski, P.C. have been helping clients get compensation for their injuries at work for years. If your employer or their insurance isn’t providing you with the compensation you need, contact us for help.
While an employer or insurance provider can provide more coverage than their competition, there is a minimum of coverage they are required by the state to provide for workplace injuries. This doesn’t mean they can’t deny coverage if they can prove your injury doesn’t qualify for workers’ compensation. This means that once you qualify, this is the minimum that they must offer:
Workplace injuries do not have to be broken bones, internal damage from a fall, or cuts or lacerations to your skin. They can also include diseases or conditions you contracted or developed due to your job, or old injuries that were worsened due to your job.
There are three things that workers’ compensation doesn’t have to cover, one of which is covered by a personal injury case. The other two are benefits that can only be applied to a situation that includes the workplace.
To get workers’ compensation, you need to submit a report and file for it. Having a personal injury attorney assist you can help ensure there are no holes an insurance company can use to deny you coverage. Once that happens, they should offer you compensation to cover your injury and recovery. If they deny you or offer you an amount that doesn’t provide the coverage you need, we can seek legal action against your employer and their insurance provider.
The personal injury attorneys at Scartelli Olszewski, P.C. have extensive experience fighting companies and large corporations who think they can leave workers to suffer. We will fight for you so you get the compensation you deserve. Contact us today if you’ve been injured on the job before you file for workers’ compensation.