Saturday, April 20, 2019




Workers Comp: Protecting the Rights of the Injured

Workers Comp: Protecting the Rights of the Injured

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ALLPICS FALLEN WORKER Workers Comp: Protecting the Rights of the Injured

Workers Comp: Protecting the Rights of the Injured

There was a long period in American history where workers really didn’t have many rights. They could be worked for far more than eight hours a day and, if they were injured, could simply be sent upon their way and easily replaced. Luckily, this isn’t really the case anymore. A variety of labor and worker protection laws have went into effect over the past century that are meant to help American workers. One of the most legally beneficial developments was worker’s compensation benefits, so it’s imperative for every employee to understand these laws.

What is Worker’s Compensation?

Worker’s compensation is a form of insurance that many American companies have to carry if they employ a certain amount of workers. This insurance is to cover injuries to employees that occur during the course of their work. The great part about these laws is the fact that the policies cover workers regardless of whether the injury was due to the negligence of a coworker, the owner or the employee themselves.

In most cases, a worker isn’t allowed to sue their employer for injuries. This is the caveat of worker’s comp laws. This prevents the courts from being bogged down with work-related injury cases while also ensuring that workers who are injured on the job receive compensation for lost time at work, medical bills and other benefits related to the injury. Sadly, even though the worker gives up their right to sue in most cases, there’s still a chance that they can be denied.

Can a Worker be Denied?

There are a variety of reasons that a worker’s compensation claim may be denied. These reasons can include the fact that no medical treatment was necessary, no time off of work was necessary or that the injury didn’t actually happen while a person was at work or engaged in activities related to their employment. These are all legitimate reasons for a denial, but sadly, denials can still happen in the absence of these factors.

Just like in any other situation where an insurance company and adjuster are involved, paying out benefits will cost the company money. This leads some adjusters to deny claims that they know are legitimate, also known as engaging in bad faith practices, in an effort to cut down costs for the company. Some insurers, such as Liberty Mutual, have become infamous for these types of denials. It is not uncommon to read about a workers compensation bad faith dispute with Liberty Mutual. It only takes a quick Internet search to find several cases of individuals who were wrongfully denied benefits by the company.

Unfair Worker’s Comp Denials

Luckily, a denial from a worker’s compensation insurer or even an employer dispute isn’t the final word on the matter. There is an appeals process, but once a claim has been denied, it’s usually essential for an individual to seek out an attorney for help. In instances where a worker feels that the insurer has purposefully denied a rightful claim, however, it’s important to find a worker’s compensation bad faith lawyer. In fact, bad faith may even be occurring if it seems as if the insurer is dragging their feet and delaying a claim.

Bad faith isn’t something that an insurer can simply try out in an effort to save money. These practices are literally against the law, and if an attorney can prove that an insurer engaged in these patterns of activity against an injured worker, they can often help recover far more substantial compensation. Insurance companies who engage in bad faith practices often have to pay out huge settlements due to their dishonest and illegal practices.

Worker’s compensation laws were essential in protecting American workers, but it didn’t take long for insurers to start trying to work the system in their favor. Luckily, legal professionals are adept at catching these immoral practices and making sure insurers pay for them. It’s important to remember that these companies will continue to engage in these behaviors until they’re stopped, and bringing forth legal action is the only way to do so.

Lisa Coleman shares some information about what bad faith practices are and how this can impact the rights of an individual injured while working on the job. She recently read about a workers compensation bad faith dispute with Liberty Mutual online at the website of Doyle Raizner LLP, an experienced worker’s comp denial attorney.

Photo Credit: http://www.flickr.com/photos/78428166@N00/9127644174/

 



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Workplace Safety Programs: Do They Reduce Workers Compensation Claims?

Workplace Safety Programs: Do They Reduce Workers Compensation Claims?

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ALLPICS WORKPLACE SAFETY Workplace Safety Programs: Do They Reduce Workers Compensation Claims?

Workplace Safety Programs: Do They Reduce Workers Compensation Claims?

One of the most effective ways to reduce workers compensation claims and related costs by high-risk employers is to implement one or more safety programs into their regular business plan. These plans have been shown to be highly effective in reducing accidents and it gives the insurance provider an incentive to reduce rates.

1. Drug Free Workplace. By implementing a drug free workplace employers reduce the risk of on-site accidents by 50 percent. In many different studies conducted by the insurance industry, it has been found that when employees must pass a drug test to become employed, and submit to random drug testing while employed, fewer accidents occur.

These programs are also very good for company moral. Few people want to work with someone under the influence of drugs because they are very unproductive and make dangerous decisions which could impact other employees.Safety Awareness Campaign 2013

2. Mandatory Safety Meetings. By holding a weekly safety meeting, businesses can reduce many minor injuries. These meetings do not have to be very long or intense. They simply need to address a single subject and talk about how to remain safe at work. For instance, a meeting held one week could address the importance of safety glasses in the workplace.

3. Company Provided Safety Equipment. Many employers have found that by providing certain equipment like hard hats, back braces and protective eye wear to the employees they can reduce the amount of accidents that occur.

4. Company Required Safety Equipment. By making certain pieces of safety equipment necessary for employment, such as steel-toed shoes, the employer can reduce many accidents that may otherwise occur without these items.

5. Clean Up Day. One of the main things that can cause employee injuries is clutter. Construction sites to offices all have the potential to allow things to pile-up and become cluttered. This leads to slip-and-fall accidents and possible lifting accidents. By establishing a clean-up day weekly or bi-weekly, the business can remain clean and clutter free.

6. Fitness Progperil in the officerams.While this may seem a very unusual way to reduce accidents, making sure that your employees have access to fitness programs can decrease injuries and improve the overall health of the business. Employees that are physically fit will have less back strains and better balance. While you cannot force any employee to take part of this type of program, by offering it to your employees you are showing that you care for their health and the insurance provider will see that you are concerned for safety.

One of the largest expenses a business faces is workers compensation. Insurance rates can be very high in high-risk industries and claims can make those rates go even higher. When you add these figures to the loss of production and other associated costs such as having to pay overtime to cover an injured employee, you can easily see why implementing safety programs is not just a suggestion to business owners, but a true necessity.

Valerie Stout Cyrus is a freelance writer who frequently researches workers compensation claims. She discovered that companies that have at least one worker safety program in place usually decrease their workers’ compensation claims. Please watch the video here to learn more about how workers compensation helps to protect workers.

Photo credit: http://www.flickr.com/photos/coolinsights/4775874812/

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