If you work in the state of Pennsylvania and are an employee, not a general contractor, then it’s very likely that you’re covered by something called workers’ compensation.
Without workers’ compensation, workers who were hurt at work might not be able to afford care for their injuries. In addition, the lost pay benefits are extremely important for many families affected by a workplace injury.
Most employers are required to carry workers’ compensation insurance. Through this program, you may be able to pursue compensation for your medical bills and a portion of your lost income. In some situations, you may also qualify to receive disability benefits.
Here are four key things to do if you are hurt while on the job:
#1: Report the injury to your employer immediately
Make sure your supervisor or HR department knows about your injury. It’s best to file within the first 21 days so you can start being compensated as soon as possible. If you don’t give notification within 120 days, your benefits will be forfeited.
#2: See a doctor and continue necessary care
Get the medical care you need, promptly. Your employer may have a list of approved doctors. If so, you have to be seen by one of them for at least the first 90 days. (Your company is required to post this list where employees can easily access it.)
Keep visiting your doctor, taking your medications, and doing any physical therapy or exercises prescribed. If the insurance company can show that you aren’t following your treatment plan, it will refuse to pay.
#3: Collect & journal evidence
It’s critical to document your injury. Collect contact information for eyewitnesses, photos of where the injury occurred, your medical records, and evaluations from health care providers.
#4: Choose the right lawyer
Worker’s compensation cases can be complicated. It’s worthwhile to discuss your case with an attorney. Most offer free initial consultations to help you learn about your legal options.
Cordisco & Saile LLC represents workplace injury victims in Philadelphia, Bucks County and the surrounding area. Call 215-642-2335 or contact us to schedule your free consultation.