Suffering an injury while on the job is one of the most stressful situations that workers and their families may be faced with. This harsh reality can become an economic nightmare for those who do not obtain the proper representation.
Not only do employees have to struggle with the painful physical and mental effects of their injuries; they also have to pay for the expensive costs of their own medical treatment. The injured workers also have to find a way to support their family’s economic needs while they are out of work.
Many injured employees and their families feel overwhelmed. Obtaining fair compensation may feel impossible. To ensure that injured workers receive the benefits they are entitled to, it is essential they acquire aggressive and reputable legal representation. Experienced attorneys will be able to step in and take charge. Seasoned attorneys can handle the worker’s compensation claim from beginning to end while ensuring a fair settlement for their client.
What Is A Worker’s Compensation Claim?
To obtain a worker’s comp settlement the injured party must first file a worker’s compensation claim. A worker’s compensation claim is a request between the employee, employer, and insurance company. The purpose of this claim is to obtain an appropriate payout from the worker’s compensation fund to cover an employee’s medical treatment and lost wages while unable to work. The claim must be based on a workplace-related injury.
Filing A Worker’s Compensation Claim
The injured party’s first step when filing their workers’ compensation funds claim is to report the injury to their employer. The employer will then provide the employee with paperwork to fill out detailing the specifics of the injury. Once completed, the
paperwork should be returned to the employer so they can file the claim with the insurance company.
Benefits of Legal Representation
Once the employer has filed the claim with the insurance company, the hardest part of the process begins. The insurance company will evaluate the provided information to determine what compensation, if any, to provide the injured party. Often, insurers decline to offer enough compensation to cover all of the necessary expenses and lost wages suffered by the injured party.
This difficult stage of the worker’s compensation process is where experienced legal representation is vital to receiving a fair settlement. The injured employee’s legal counsel will step in and negotiate a fair worker’s comp settlement that provides for their client’s needs.
Who is eligible for workers compensation in Michigan?
Virtually everyone in Michigan is covered by the Worker’s Disability Compensation Act. There are a few exceptions, and these exceptions stem from government employment or people who have jobs that require extensive travel. Some of these people include postal workers, military members, interstate and railroad workers, and those who deal with unloading and loading vessels have their own act known as the Longshoremen’s and Harbor Workers’ Compensation Act.
Most other businesses in Michigan are covered by the Worker’s Disability Compensation Act, but there are some exceptions. For example, certain small businesses are exempt from the act based on their number of employees and how many hours and how long an employee works. Some other exceptions include farmers, who are exempt under special circumstances but may choose to cover their workers through the act anyway.
Those who are self-employed are not eligible