Lionville Workers’ Compensation Lawyers
For over 40 years, Wusinich, Sweeney & Ryan, LLC has helped people file workers’ compensation claims to get the money and support they need to recover. Whether you work in agriculture or health care, accidents can happen at work and you could be entitled to compensation from your employer’s workers’ compensation coverage.
Businesses Must Carry Workers’ Compensation in Pennsylvania
Workers’ compensation insurance is a type of insurance coverage that provides financial benefits to employees who suffer from a job-related illness or injury. In Pennsylvania, all businesses, with few exceptions, must carry workers’ compensation insurance in order to comply with the law. This requirement applies to both full-time and part-time employees, regardless of the size of the company or number of hours they work.
The purpose of workers’ compensation is to provide protection for employers and employees alike. It ensures that injured workers receive medical care and other benefits without having to sue their employers for damages, while employers are protected against large liability claims. Workers’ compensation also helps employers keep their payroll costs down since they do not have to cover the cost of an employee’s illness or injury out of pocket.
If a business fails to carry workers’ compensation insurance in Pennsylvania, it may face penalties including fines and possibly criminal prosecution. Furthermore, if an employer does not carry workers’ compensation insurance, there is no guarantee that an injured employee will receive any compensation for their injuries—even if the employer is found liable in court.
What Workers’ Comp Covers
Employees who are covered by workers’ compensation are entitled to several types of benefits such as lost wages, medical expenses and rehabilitation costs associated with their injuries. In addition, death benefits may be available in some cases if an employee dies as a result of their job-related injury or illness. The amount and duration of these benefits vary according to the particular situation but generally speaking, they can provide considerable financial assistance when needed most during difficult times like these.
One of the most important benefits of workers’ compensation insurance is the provision of regular income while out of work due to the injury or illness. This helps the employee maintain their quality of life while they are unable to work. The amount that will be provided depends on their pre-injury salary.
Medical expenses related to the injury or illness are also covered by workers’ compensation insurance. This includes hospital and doctor visits, prescription medications, prosthetic devices, physical therapy, and more. Depending on the specific policy, some employers may also cover dental or vision care related to the injury or illness.
Rehabilitation costs may also be included in a workers’ compensation policy in Lionville. This includes vocational rehabilitation services such as job training programs and educational courses that can help an injured employee re-enter the workforce after recovering from their injury or illness.
If an employee has suffered a disability due to their injury or illness (including being totally disabled), they may be eligible for additional benefits under workers’ compensation insurance. These can include ongoing payments of their pre-injury salary, or a certain percentage of it, depending on certain criteria like how long they have been employed at that particular business and years in service prior to suffering the injury or illness.
In addition to disability benefits, workers’ comp policies may also provide disfigurement benefits if a workplace accident or related necessary surgery resulted in visible scarring or disfigurement. If death results from a workplace accident, workers’ comp policies typically provide death benefits including funeral expenses and payments for lost wages for surviving family members such as spouses and children who were dependent on that employee’s income prior to their passing away.
How to File a Workers’ Compensation Claim
Filing a workers’ compensation claim in Lionville, Pennsylvania can be a complicated process, but it is important for employees to understand the process and their rights under state law. First, it is important to notify your employer as soon as possible after you sustain an injury or illness. This should be done verbally and then again in writing. In most cases, your employer’s workers’ comp policy will require notice to be given within 14 days of the accident or illness. Make sure to keep copies of any written notifications.
It is also important that you see a doctor immediately following the incident. If your employer does not provide medical care, they may be able to help you find an approved healthcare provider who can give treatment related to your work-related injury or illness. This medical provider will diagnose your condition, recommend treatment options and complete necessary forms for filing a workers’ compensation claim.
The next step in filing a workers’ comp claim is obtaining and completing the proper paperwork from your employer’s insurance agency. They will be able to give you forms for every type of claim that can be filed including occupational diseases, hearing loss, benefits for injured dependents, death benefits when applicable, and more. Many claims require additional documentation such as medical reports from treating physicians, proof of wages before an individual was injured, and evidence of any prior workplace injuries. It is important to make sure all forms are completed properly and that all documents are included when submitting them for processing or further action may need to take place if something was missed or incorrect information was provided.
Once all paperwork has been submitted correctly and reviewed by the insurance company, they will make a decision on whether to approve your claim and if so what type of benefits you may qualify for under their coverage guidelines. In some cases, there may be meetings with representatives from both parties involved where evidence must be presented in order to help determine how much should be awarded or if other alternative solutions must take place such as structured settlements or compromise agreements which specify that payments will occur on certain dates over a period of time instead of one lump sum payout at once.
The Lionville Workers’ Compensation Lawyers at Wusinich, Sweeney & Ryan, LLC Help You Recover
Getting injured at work presents numerous problems. Let the Lionville workers’ compensation lawyers at Wusinich, Sweeney & Ryan, LLC help you get through your workplace accident. Contact us online or at call us at 610-594-1600 today to schedule your free consultation where you can learn more about our services. With offices in Exton, Pennsylvania, we proudly serve our neighbors in Downingtown, West Chester, Exton, Coatesville, Phoenixville, Malvern, Lyndell, Wagontown, Uwchlan, Parkesburg, Chester Springs, Lancaster County, Reading, and Morgantown.