A workplace injury may result in costly medical bills and time away from work. Without compensation, it may be difficult for you to make ends meet. Unfortunately, insurance companies generally try to minimize the amount you get for your work injury as much as possible. Additionally, you could make some simple mistakes that may cause you to get fewer benefits than you deserve.
The good news is that North Carolina law requires most employers to provide coverage for medical expenses for workplace injuries. However, you must ensure your claim goes as smoothly as possible. Here are some guidelines to follow to get the most out of your claim.
1. Promptly report your injury
You must inform your employer about your injury within 30 days. If you get hurt at all at work and you think there is a possibility it will result in you missing work, tell a supervisor immediately. This will help legitimize your claim and increase your chances of getting compensation in a timely manner.
2. Get medical attention
Make an appointment with your doctor as soon as possible. If it is an urgent situation, go to a walk-in clinic or emergency room. If you delay getting medical treatment, the insurance company may assume you were not that hurt. Make sure you attend all of your follow-up medical appointments too.
3. Consider a personal injury lawsuit
Contrary to popular belief, you are not able to get compensation for pain and suffering through workers' compensation. In certain cases, you may be able to sue a third party to get damages for pain and suffering. An attorney can help you determine whether filing a personal injury lawsuit is in your best interests.
By taking these tips into consideration, you can navigate the workers' compensation process more confidently. However, you may still deal with complexities and wonder when you should accept a settlement. A lawyer can help you value your claim and represent you in negotiations.