Employers are typically required to have some sort of worker's compensation insurance for their workers, to cover the cost of their injuries if they should get hurt while on the job. If and when you've suffered a work-related injury, it's good to consult with an attorney. He or she can ensure your rights are protected and that all your questions have been answered. Note a few of those questions you might have and what to discuss with a compensation lawyer after an injury.
1. Why does an employer need to involve my health insurance company?
In some cases, your health insurance company may be the first ones financially liable for your medical bills, even if you were injured on the job. Your employer's compensation insurance may then cover the costs of your medical bills for anything your health insurance company doesn't cover. The worker's compensation may also cover things like lost wages and travel expenses in order to get to your doctor's office, and other such items not covered under your health insurance coverage.
Your employer may have you file a claim with your health insurance first, before filing a claim against their compensation coverage. To ensure this is being handled properly, you might discuss your case with an attorney and show him or her your policy so they can oversee the process and get your bills paid.
2. What if my employer tells me I don't have a case?
Keep in mind that it's not up to an employer to decide if you will be successful in suing them for compensation for an injury, and it's also good to note that these costs don't come out of their pocket. Their worker's compensation insurance company is the one to pay you for your claim and your expenses. If an employer tells you that you don't have a case, this is all the more reason to speak to compensation lawyers and get a qualified, legal opinion.
3. How long does it take to get compensation?
There is no concrete answer to this, as each case is different and each insurance company is different in how they handle claims. If you need money for your medical bills and lost wages quickly, discuss your situation with your attorney so he or she knows that you might prefer a faster settlement no matter its amount. They can also advise you on other options too if you can be patient through the process of negotiations, filing a court case, and the like.