Work Injury Settlement

Achieving a Work Injury Settlement

Employees and contractors who are injured while performing duties on behalf of a company can file for a work injury settlement should they wish to. A typical work injury settlement package compensates the person for all medical bills, loss of income due to time off ,recuperating from injuries and compensation for emotional and physical suffering.
According to the law, any company with more than 2 full time workers is required to purchase workplace insurance that covers all workplace injuries and accidents. Usually, if it is a high risk job such as electricians, contractors and carpenters who have a higher chance of getting an injury just because of the nature of their jobs, the insurance premiums are higher as claims are generally more frequent and work injury settlement package is also higher. An employee in such industries can claim for the slightest injury be it a cut from an open saw or getting electrocuted from exposed wires. Therefore, it is important for any business owner to observe the rules and purchase the insurance so that they would not be liable for work injury settlement themselves.

Work Injury Settlement procedures…

Business owners should also observe all regulations issued by the Department of Labor and the Office of Safety and Health Administration (OSHA), if they do not wish to be sued for negligence. For example, it is the onus of the company to familiarize the staff with the latest industry safety regulations and procedures while providing a safe and conducive working environment for the staff. Companies with employees working with hazardous materials must be particular stringent in the usage and disposal of such materials.
Employees seeking work injury settlement claims must also observe proper procedures when filing for their claims. Even the slightest deviation from standard procedure might allow the insurance company a loophole not to pay the claims. For example, an injury must be reported immediately to the company. This usually comprises of an incident report, where the employee details the events leading to the accident. Details such as time, venue and witnesses should be properly documented so that it is easier for the insurance company to make their own investigation, as will be the case before any work injury settlement is paid out.

Work Injury Settlement ready for signature

After hard negotiations: Work Injury Settlement ready for signature...

Work Injury Settlement advice…

The investigation is generally carried out by both the employee’s human resource and insurance loss adjusters. The investigation will determine if proper safety procedures were carried out and the accident was unavoidable or if there was any negligence on the employee’s part. It will also determine the amount to be paid out. This amount usually correlates with the extent of the injury. Workers claim work injury settlement should be careful when agreeing to the package offered by the insurance company. It would be advisable for the employee to seek legal advice before signing any papers relating to the claims.

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