Results matter when you’ve been hurt or harmed.
Accidents happen. Life happens. Everyday, the cycle continues, a timeless reminder of our ticking days. That’s why it’s crucial to live life to the fullest. If you or a loved one has suffered hurts or harms on the job, that quality of life has changed. Amid the stress of life suddenly not being what it was before, a million questions come to mind. The Pennsylvania Worker’s Compensation Act is complicated; and there are many nuances to workers comp insurance laws. An attorney can help you sort through that mess.
3 Questions to Help Sort Through Workers Comp Insurance Laws
Who is covered?
Nearly every employee in Pennsylvania is covered by the Pennsylvania Worker’s Compensation Act. If they are not, they are covered by another worker’s compensation organization (ex: federal workers, railroad workers, harbor/shipyard workers, etc). Every company is required to provide worker’s comp insurance for their employees: no exceptions.
What is covered?
Injuries, illnesses and diseases are all covered, except in cases of intentional self-harm, or illegal activities (i.e., abusing illegal drugs).
What benefits are available?
The Pennsylvania Department of Labor and Industry lists the following as available benefits according to workers comp insurance laws:
- Lost Wages: any wages that would have been earned during the time the employee was injured are compensated in back-pay.
- Death Benefits: if a work accident ends in death, the family is entitled to death benefits.
- Specific Loss Benefits: permanent scarring, loss of limbs, or limited use of body parts is also eligible to be covered by workers comp insurance laws.
- Medical Care: The PA department of Labor and industry says, “In the event of a work-related illness or injury, you are entitled, if covered under the Act, to the payment of related reasonable surgical and medical services rendered by a physician or other health care provider. Medicine, supplies, hospital treatment and services, orthopedic appliances and prostheses are also covered for as long as they are needed.”
Unfortunately, while workers comp insurance law is on your side, worker’s comp is not. The benefits are there, but getting compensation can be very tricky.
That’s why you need an attorney. The offices of Thomas More Holland know what you’re up against; Tom Holland is committed to getting you the compensation you deserve.
Tom Holland is experienced in evaluating lump sum offers. Early lump sum settlement offers may be encouraging, but Tom Holland will be able to help avoid leaving settlement funds on the table. If the disability continues to be treated without a definitive diagnosis and/or prognosis, prompt settlement may not be prudent.
When and if to settle is your decision to make, but BEWARE. What’s the hurry? Please be cautious of an early settlement offer from a claims adjustor who suggests you do not need a lawyer.
Our law office specializes in representing injured employees, and we know worker’s compensation law inside and out. You are allowed to represent yourself in worker’s compensation proceedings, but remember that the litigation is complex and your employer will be represented by an experienced attorney. Don’t walk into court, unprepared and outnumbered. The timing of a lump sum settlement is as important as a settlement value.
Call Thomas More Holland, because experience counts – results matter.