Workers’ Comp

What Happens When Your Employer Doesn’t Have Workers’ Comp

In Workers Compensation by The InsidersLeave a Comment

If you are ever hurt on the job, the severity of the injury will dictate when you come back, or even if you come back at all. In the meantime, medical bills will continue to pile up, and if you are like most people, you may be in for a very tough time financially. Fortunately, this is exactly why we have workers’ comp. However, not all businesses offer workers’ comp, and if your company will not provide you with benefits, you might feel a little devoid of options.

This could not be further from the truth. The attorneys at the McMahan Law Firm specialize in personal injury cases, and we want to be the ones to get you the money you deserve. First, here are some of the basics to keep in mind when considering a lawsuit.

What Is Workers’ Comp?

Unless you live in Texas, your state most likely requires that employers carry some form of workers’ compensation. How they choose to administer this, however, is a little more open-ended. (Usually it’s handled through a third party agency or as a plan that employees pay into over time.) That being said, if you work for a small business or only work part time and you get hurt on the job, there is no guarantee that you will see any benefits. You will want to keep this in mind and do your research accordingly.

Consider Legal Action Against Your Employer

Based on the workers’ comp laws in your state, you might want to consider legal action if your employer refuses to offer you workers’ comp. By going this route, there is a chance that you actually end up with a higher settlement since many states cap the amount of workers’ comp you could actually receive. You might even be able to claim mental and emotional damages as well, which could eventually pay pretty big dividends. Of course, these are only a few of the many options you should discuss with your personal injury lawyer.

Apply for Temporary Disability

As you work through the legal and rehabilitation process, it might be a big help to apply for temporary disability insurance. Not all states offer this, though, so you will want to do your research beforehand. Nevertheless, even if you do qualify, temporary disability will at best tide you over in the short term only, and you will still need to move forward with legal action to get the aid you really need.

Hire a Professional Workers’ Comp Attorney

However you choose to proceed, it would be a tremendous help to you to have a personal injury lawyer on your side to help. The benefits you could see in your legal suit and ultimate settlement package will far outweigh whatever misgivings you might have, so start fighting back!

If you live in the Chattanooga or Knoxville areas and are interested in pursuing a possible personal injury lawsuit against an employer who has denied you workers’ comp, then we want to talk to you. So don’t hesitate—contact a representative at the McMahan Law Firm today.

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