Workers’ compensation laws in Pennsylvania require most employers to maintain a workers’ compensation insurance policy. This insurance provides coverage for employees when they are injured at work. The coverage includes payment for medical care and treatments, mileage expenses for travel to and from medical appointments related to the injury, lost wages, and temporary or permanent disability benefits. The coverage ensures that you will be financially protected while you recover from your injury and provides income benefits if you become partially or fully disabled.
But some workers require help from Pennsylvania workers’ compensation lawyers to help them manage their case, pursue fair benefits, and fight back if the claim is denied.
Pennsylvania Workers’ Compensation and How it Works
Pennsylvania workers’ compensation provides multiple types of coverage to injured workers. If you are hurt on the job or while performing work duties, notify your supervisor or manager of your injury and your intent to seek medical attention. Your employer may provide you a list of healthcare professionals from whom to choose, and you must see the company doctor for only the first 90 days.
As you pursue workers’ compensation benefits, you will need to submit the required forms and work with your medical team to ensure that all necessary documentation is sent to the appropriate workers’ compensation representatives.
The following coverages are standard for all workers’ compensation policies required by the state, and you may qualify for one or more of them.
- Medical care: This benefit pays for your doctor’s visits, therapy appointments, diagnostic tests, follow-up appointments, prescriptions and any other medically necessary treatment expenses. This benefit also will cover mileage expenses for travel to and from appointments.
- Lost wages: If you require time off from work to recover from your injury or condition, the wage replacement benefit will provide payments of about two-thirds your average weekly pay, up to a maximum. If you are diagnosed with a partial or total disability, temporarily or permanently, this benefit will provide income to replace what you would earn on the job if you were not injured.
Benefits generally are available, regardless of which party caused the accident and whether or not an employer or other party was negligent.
Common Injuries in the Workplace
There are some common injuries that are typically seen in the workplace. The following list describes some of these more typical workplace hazards and resulting injuries that often result in workers’ compensation claims.
- Falls from height: Construction workers and others who work from a height may be at risk of a serious fall. Workers may fall from scaffolding, from unsecured stairways, etc.
- Burns: Kitchens, some types of factories or construction sites pose higher levels of risks for employee burns. Burns may include thermal, chemical or electrical burns.
- Equipment or machinery accidents: Anytime there is heavy equipment or machinery in the workplace, there is potential for injury. Mechanical malfunctions, poorly maintained equipment and lack of proper training exacerbate the likelihood of injury.
- Unsafe conditions: Some workers become injured because there are numerous hazards around the workplace, and one of them eventually causes an accident or development of a workplace disease.
- Trapped by falling structure: If something falls onto a worker, such as on a construction site, it can cause serious harm, like crush injuries.
- Vehicle accidents: Some workers must drive a vehicle as part of their usual work duties or as an occasional job task. In the event of an accident, the worker may recover workers’ comp.
- Hazardous materials: Working with certain materials may pose a greater risk to workers. This includes certain chemicals, industrial waste and more.
Seeking Legal Help from Pennsylvania Workers’ Compensation Attorneys
Workers’ compensation claims are not always simple or successful. If you sustained an injury while at work and need help with your claim, Cordisco & Saile LLC can help. Call us today at 215-642-2335 to set up a free consultation with our Pennsylvania workers’ compensation lawyers.