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Workers Comp Insurance: Does Your Employer Cover You?

If you get hurt on the job, your employer should take care of you. If you find out that your company doesn’t carry workers comp insurance, you should contact a workers' compensation attorney in Cincinnati, Ohio right away. There’s no reason why you should be responsible for your medical bills if you were hurt at work. Thankfully, most businesses in Ohio understand this. They don’t want to risk the fines associated with failing to carry the mandatory insurance.

Just because your employer has insurance doesn’t mean they’re going to approve your claim. Even if your injuries did happen at work, they may still deny your claim. This could happen for a variety of reasons, including:

  • They don’t believe your injuries happened at work.
  • You were under the influence of drugs or alcohol at the time of the accident.
  • You failed to report the accident or injury.
  • You refused to be treated by a state-approved doctor.
  • You are working at another job while out on worker’s comp.

If your claim is denied for any of these reasons, you need to call our office. There’s a good chance your claim will be denied on appeal as well. If you think you have a strong claim, we can always file a lawsuit on your behalf.

You Should Have a Response Within a Couple of Weeks

As mentioned above, you’re required to report your workplace accident as soon as possible after your injury. Once you do this, your employer will submit a claim to their workers' comp insurance company. They only have 28 days to respond. You’ll know, in about a month, whether they’ve approved your claim.

Now, if you report your accident and your employer tells you they don’t have workers' comp insurance, you have a much bigger problem. Almost all companies are required to carry workers comp insurance. There are very few exceptions.

The only companies that aren’t required to carry workers comp insurance are those that have fewer than 3 employees. The exception also extends to people who work in the agricultural sector.

In addition to these two groups of people, there are several other categories of employees who are not eligible for workers' compensation. These include the following:

  • Railroad employees
  • Agricultural workers
  • Domestic servants
  • Federal employees
  • Postal workers

If you fall into any of these categories, then you won’t be eligible for workers' compensation. You’ll need to talk to an experienced workers' compensation attorney in Cincinnati. They can review your case and let you know what your options are.

If you’re a regular worker and feel you’ve been wronged, then you should call us as well. We can find out if your employer has the required insurance. If not, you can notify the Ohio Bureau of Workers' Compensation and let them know. They’ll deal with your employer. As for what to do about your injuries, your injury lawyer in Cincinnati, Ohio can always file a lawsuit on your behalf.

Cincinnati workers' compensation

You Can Always Check With the Ohio Bureau of Workers' Compensation to See if Your Employer Carries the Requisite Insurance

Most people just assume that their employer has the proper amount of workers' comp insurance. However, if you work for a smaller company, you may want to confirm that with the state. Of course, you can ask your boss outright if they have the required workers' compensation insurance. Whether they want to answer this question is another story.

If you can’t find the information you need from the company you work for, you do have another option. You can either go online and search to see if your employer is covered, or you can contact the Ohio Bureau of Workers Compensation on your own. If you’re not comfortable doing this, reach out to one of our workers' compensation attorneys in Cincinnati and have them do it for you.

If Your Claim Is Covered, What Benefits Do You Receive?

Once you’ve confirmed that your company has workers comp insurance, you need to file your claim. Assuming it’s approved, you’ll receive workers comp benefits. There are two types of benefits you’ll receive. First, you’re going to receive coverage for your medical care. Any medical treatment that is related to your workplace accident will be covered.

The second type of benefit that you’ll receive is replacement wages. While you’re out of work, you’ll receive weekly payments. These payments will be equal to 2/3 of your average weekly wages. These payments will continue until you return to work.

If, by chance, you end up permanently disabled, you’ll be able to demand a lump sum payment to resolve your case. This settlement will be based on the body part you’ve injured. For example, a back injury is worth more than a wrist injury. The same is true for a traumatic brain injury. It’s going to be worth a lot more than whiplash or a sprained ankle.

Since each case is different, you won’t really know what you’re entitled to until you talk to your injury lawyer in Cincinnati, Ohio.

Meet with an Experienced Workers' Compensation Attorney in Cincinnati

If you get hurt on the job, you deserve to receive workers comp benefits. These include medical care as well as replacement wages. If your claim is denied, you need to file an appeal right away. Your chances of winning your appeal are a lot higher if you have an experienced injury lawyer in Cincinnati, Ohio by your side.

The good news is that you can meet with one of our lawyers free of charge. Anybody who’s injured on the job can call and schedule their free, initial consultation. Take the time to sit down with one of our experienced associates and find out where you stand. If your injuries were minor and you were only out of work for a few days, it probably isn’t worth pursuing. If, however, you’re going to be out of work for months or a year, then you can’t afford to sit back and wait.

Call our office today and schedule your free, initial consultation. You don’t have to pay anything upfront. In fact, you pay nothing until your case is resolved.

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