Being injured on the job is frustrating and can have a negative impact on your ability to earn an income. Yes, workers’ compensation should be available to help with finances, expenses, and assistance to get back to work as soon as possible. However, in some cases, that’s not enough.
Severe injuries on the job can lead to diminished working capacity. Simply put, if you cannot use the same set of skills or produce the same amount or type of work, you may not be able to earn as much money going into the future. This possibility is overwhelming, but there is assistance available to help you understand your options.
At Cordisco & Saile LLC, we are your workers’ compensation lawyers in Bensalem. We offer a free consultation for you to get answers to your important questions. We know the law and your rights to compensation. For a no-obligation review of your claim, call (215) 642-2335 today.
Types of Workplace Accidents
Accidents can happen anywhere and for many different reasons. Some of the more common mishaps in the workplace are:
- Slip, trip, and fall
- Work vehicle accidents
- Being hit with falling objects
- Malfunctioning machinery, tools, and equipment
- Poisonous fumes
- Chemical or other types of burns
- Caught-in/caught-between accidents
- Defective products and parts
Many business owners and managers go to great lengths to keep the workplace safe for their employees. However, there are those that act negligently or intentionally to disregard workplace safety standards.
Potentially Hazardous Occupations
The U.S. Department of Labor reported over 5,000 workplace injuries that resulted in the death of an employee. Over 150 of these fatalities occurred in Pennsylvania. The occupations and industries where this happens most are:
- Law enforcement
- Farmers and agricultural managers
- Aircraft managers and pilots
Whether your injuries resulted from routine duties at work or by someone else’s negligence, you have a right to know your options. Call (215) 642-2335 to speak to a dedicated attorney at Cordisco & Saile LLC today. The consultation is absolutely free.
Workers’ Compensation Benefits in Bensalem
Pennsylvania law requires all employers to have workers’ compensation insurance available for their employees. These benefits are meant to help you if you become injured, cannot return to work, or need to find a new occupation because of your disability.
Partial Disability Benefits
Partial disability benefits are paid to employees when, following medical evaluation, they have been found to be able to return to work with limitations. When you have been given a disability rating of less than 50%, the benefits will be paid to you for 500 weeks or until you are back to earning your normal paycheck.
Total Disability Benefits
When a physician declares that you are unable to return to work for more than two weeks, you can begin collecting total disability benefits. The amount is generally two-thirds of your average weekly paycheck with minimum and maximum levels declared by the state. You can receive up to 104 weeks of benefits or until you reach maximum medical improvement, whichever is sooner.
Maximum Medical Improvement (MMI)
When you are evaluated by a physician, and it is declared that your health condition is unlikely to improve further, you have reached maximum medical improvement. At the point of MMI, you should receive a disability rating and may be able to qualify for benefits.
Specific Loss Awards
Losing proper function in a specific body part due to your injury will allow you to collect benefits defined by the state for partial or total disability. As an example, if you have lost 50% of the function in your leg, you will receive 50% of the weekly benefit payment.
Covered Expenses With Workers’ Compensation Insurance
Pennsylvania workers’ compensation insurance also covers certain expenses, such as:
- Medical bills: As long as the treatment is necessary for your injuries and authorized by the insurance
- Vocational therapy: If you need to find a new occupation because a disability will not allow you to return to your former work
- Mileage reimbursement: You can recover costs for travel to and from doctors’ appointments
- Death benefits: The exact benefit amount depends on the number of dependents claiming benefits after a worker’s death
- Funeral expenses: Workers’ compensation insurance will pay up to $3,000 toward funeral and burial costs
Workers’ compensation insurance can help with expenses to relieve financial difficulty after an accident, but it is limited.
The workers’ compensation lawyers at Cordisco & Saile LLC are committed to helping you understand how you should be compensated for injuries sustained in a workplace mishap. Call (215) 642-2335 for a free, no-risk consultation.
Time Limits on Claiming Benefits
Generally, you must give notice to your employer of your injuries within 21 days of the mishap. In Pennsylvania, the law imposes a 120-day time limit of filing a claim for workers’ compensation benefits. If the claim is not made within the given time period, you will forfeit your right to benefits.
Knowing When to File a Lawsuit Outside of Workers’ Compensation
There are certain circumstances where you may be able to file a lawsuit when you have sustained injuries in the workplace. Those situations are:
- Workplace violence: If you have been injured by the intentional act of a fellow employee or other third party
- Employer negligence: If you have been injured by your employers negligent or intentional misconduct
- No insurance: If your employer does not have workers’ compensation insurance, you may be able to file a suit against the employer in civil court
- Chemical injuries: You may be able to sue the manufacturer of the chemical product
- Defective products: A lawsuit may be able to be filed against the manufacturer of the product
Cordisco & Saile LLC Can Help With Your Workers’ Compensation Case
To understand more about workers’ compensation insurance and your rights to compensation and benefits, call (215) 642-2335 to speak to an attorney at Cordisco & Saile LLC. We offer a free evaluation of your claim and a face-to-face meeting with a dedicated workers’ compensation lawyer in Bensalem.