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Major Benefits of Having a Workers' Comp Lawyer

For those who have been injured while working on the job, you may be entitled to workers' compensation benefits. It is possible to go through the claims process alone; however, many times these claims are denied due to a host of issues, including a lack of proper evidence, missed deadlines, and other complexities. This is why it is ideal to have a workers' comp lawyer to help. The following are some benefits of working with a specialized attorney on claims.

They Ensure That Absolutely All Evidence Is Uncovered

Since these types of claims are largely due to injuries received while on the job, medical evidence is vital. A good workers' comp lawyer will develop a plan to gather all of the evidence needed to garner a fair settlement. This includes medical records, arranging treatment with a specialist, getting depositions from physicians, or obtaining a second medical opinion.

They Should Negotiate a Fair and Reasonable Settlement

An attorney who specializes in this area is typically well-versed with regard to settlement numbers. He or she will have an idea of what amount of money should be received, depending on the type of injury sustained. Some of the factors that they take into consideration to determine a settlement include whether or not the injury resulted in permanent disability, the extent of the injuries, the cost of the medical treatment the client has already had, and the medical treatment needed in the future due to the injury.

These attorneys are also aware of how insurance companies work. Most insurers will try to offer a client the lowest amount of money possible in order to settle the claim. Good legal counsel will be able to engage in more productive negotiations than clients would without legal assistance.

They Should Represent the Clients at a Workmans' Compensation Hearing

Sometimes, the client and the insurer will not be able to reach a fair settlement. If this happens, the client may have to appear at a hearing in front of a judge. This hearing is similar to a small court trial. The attorney for the client will present all of the evidence, call witnesses if necessary, and argue why their client is entitled to a specific amount of money. If the client receives a settlement that he or she deems unfair, the attorney can help with an appeal on that decision after the hearing.

Bringing your workplace injury case to court can be a difficult process to navigate without legal assistance. To have the best chance of receiving a decent and fair settlement, those who were injured on the job should consider hiring a workers' comp lawyer to assist with the claims process. Make sure he or she has multiple years of successful experience in this area of the law in order to get the best results.

To learn more about their options for a workers' comp lawyer

One of the major misconceptions about worker's compensation is that it's all handled on a national basis. That would mean that all of the requirements, policies and specifics would be the same all across the country.

However, that's not the case. It's actually on a state by state basis where all of the regulations are handled and put into place. Therefore, it's important to know the legislation in your state, so you can get the policies that you and your business need, or conversely, to learn when you don't need this form of insurance and can save on the cost.

One of the key points of difference will be how many employees constitute the minimum requirement for businesses to obtain worker's compensation insurance policies. In some states, as little as one employee is all it takes, and in other states, the limit may be three employees, five, six or more.

Then it's important to remember what qualifies as an employee, because this is variable as well. For example, if you're the sole proprietor of a business, you're considered the employer, and not the employee. Meanwhile, even part-time employees tend to count, so being full-time is not a requirement.

In some states, the construction industry is treated separately from all other industries. As an example, in Alabama, all businesses in residential construction must have worker's compensation regardless of how many employees they have. For all other industries, the requirement is five or more employees.

On the other side of the fence, in Louisiana, all businesses in all industries must have worker's compensation, with no minimum for number of employees. Georgia also doesn't delineate across industry. Their guideline is a minimum of three employees, regardless of the industry.

Another big point of difference will be how certain states adapt their worker's compensation requirements based upon industries specific to their region. For example, in Tennessee, they specifically cite the coal mining industry. Here, if all businesses with at least one employee must have worker's compensation.

As another example, in Florida, they cite the agricultural industry. Here, they have two different potential requirements. One is six or more regular employees, and another is 12 or more seasonal employees, who are employed for 30 days or longer.

Be sure to work with an experienced professional who can help inform you on your state's guidelines, and can also help you get a great deal so you don't overpay for your worker's compensation insurance plan.

John Rothschild is the owner of ACI Insurance Services, a leading provider of worker's compensation insurance for more than 10 years. ACI is known for their customer service, their extensive experience and knowledge of the industry, and their affordable rates, and they'll do everything they can to meet the needs of their clients.

ACI has expanded and works with clients in states including Florida, Georgia, Louisiana, Mississippi, Alabama, Tennessee and West Virginia. Visit USACommercialInsurance.com to receive a free quote, or learn more about important worker's compensation insurance statistics with this guide.

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Important Things You Should Do About A Worker's Compensation Claim

Worker's compensation is designed to offer protection for workers when they are injured in their line of duty at the work place. The benefits make it possible for the injured workers to get necessary medical intervention and at the same time lead a normal life, even when they are not in a position to work or as they take time out to heal. Employers and insurance companies are always out to get the best terms in their favor from the claims and you would need a worker's compensation attorney to help you also fight for what you rightfully deserve when you are injured working.

The claiming process can be tedious especially when you know nothing about how to get the best from it but with the help of your attorney you will definitely have the guidance to get the best results. But even with the professional assistance, you also need to know a few things about the compensation so that you know how to increase your chances of getting rewarded as you deserve depending on the extent and seriousness of the injuries sustained.

1. Notify employer of the injury soonest

Important to note is that the worker's compensation claim system comes with deadlines. It is therefore very important that you report the injury to your employer as soon as it occurs; delaying makes it possible for employers to claim you were injured elsewhere. Delaying also risks your claim being denied if you fail to meet reporting deadlines.

2. Get the right medical attention

Medical treatment sought after the injury should be from professionals and you should also ensure that the diagnosis is recorded. You can work with your employer on where to get the medical attention or the insurance company so you get to be seen by a specialist or a doctor who is approved.

3. Let the doctor know you got injured at work

This is very serious if you are seeking to follow your worker's compensation claim. The doctor should be aware that you were injured at the place of work so they can handle your case with the scrutiny that it deserves. You should also ensure that you fill out the medical forms as appropriate with this regards. Remember that under the law you can have medical bills covered and hence there is the importance of ensuring that medical records prove that your injuries are indeed work related.

4. Keep all records safe

Successful claims need to be as detailed as possible so there is reduced risk of rejection. Missing records can be what makes your claim rejected and you therefore should ensure that your medical forms, accident reports, expense records and even mileage to and from your doctor are all well recorded and documents kept safe. Apart from being detailed with your reports, also ensure that you are honest as you fill the paperwork.

5. Get a reliable attorney

A worker's compensation attorney will help you with the process, especially when you are seriously injured making it difficult for you to follow up everything. They also ensure your employer gets involved and makes it harder for an insurance company to pay you a little money for the claim.

Law firms offer very helpful services, especially in areas you know very little about. Get a reliable worker's compensation attorney or personal injury attorneys to make your experiences more pleasant when laying claim.

Every state sets its own requirements for workers compensation insurance policies and coverage. That's why it's so important to take a closer look at what your state may require, and to ensure you stay in compliance with all of the latest regulations. Here, we'll offer a rundown of Florida workers compensation requirements and how they break down their mandates.

The state of Florida has regulations for this which are a bit more complex than some other states. They offer two different ways essentially of breaking down their requirements, based both on business size, as well as industry type.

One reason for this is the prominence of the agricultural industry in Florida, which is different from many other states in the country. Not only is it a huge industry in the state, but also as opposed to certain other areas, it's highly seasonal.

Therefore, agricultural businesses who either have 12 seasonal employees, for 30 days or longer, or those who have six regular employees throughout the year, are required to have workers compensation coverage.

Meanwhile, in the construction business, there is no employee minimum. The mandate is that any employer in the construction industry must provide workers compensation insurance, with no exceptions.

Agricultural and construction are the two industries with their own rules. For all other businesses across their myriad industries the requirement or minimum is for four or more employees.

Employees may be either full-time or part-time in all instances above. That's to prevent employers from keeping more part-time employees simply to avoid insurance and other responsibilities. Businesses with corporate structures, board members, and so forth, may be able to apply certain waivers or exceptions, but those can be handled on a case by case basis.

Another factor to keep in mind is when your policy may expire and in turn need to be renewed. There is no strict mandate on what this date is in Florida. That said, for many businesses the expiration date will be set for the end of the calendar year, on December 31st. It's important to keep that in mind for your end of the year planning then.

For any business owner or manager who's trying to properly maintain their coverage for this and all other types of insurance or business bonding, it's important to work with a local expert who can help guide you through the process. Always consult with a pro before handling any matter on your own, to be sure that you're completing all of the necessary steps and are doing so in the right fashion.

John Rothschild is the owner of ACI Insurance Services, a leading provider of Florida workers compensation insurance for more than 10 years. ACI is known for their customer service, their extensive experience and knowledge of the industry, and their affordable rates, and they'll do everything they can to meet the needs of their clients.

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