When it comes to injuries in the workplace, it is important to understand your legal rights and options. Most employers should have workers’ compensation insurance to help ensure that their employees are covered for any damage they sustain on the job. Unfortunately, this isn’t always the case. Sometimes, insurance companies try to challenge the claims brought forward. This is when it’s important to have a legal advocate to help you understand the process. Our New York City workers’ compensation lawyers at The Perecman Firm, P.L.L.C. want to make sure you are educated. That is why we have provided some of the most common myths about workers’ compensation below.
Only Large Businesses Should Have Workers’ Compensation Coverage
A large majority of employees for smaller businesses are unaware of their workers’ compensation rights. Unfortunately, this is because a number of small businesses believe that only larger companies need to provide coverage for workers’ compensation. It is beneficial for companies to have workers’ compensation insurance just in case something happens. As an employee, you should know if your employer provides this coverage.
Work Injuries Guarantee Me Compensation
Keep in mind that workers’ compensation is provided by your employer through an insurance company. This means that much like when other types of accidents occur, workplace incidents can be contested. There are actually some ways you can lose your right to workers’ compensation benefits altogether.
Workers’ Compensation Claims Don’t Require an Attorney
Many people who are injured at work feel they are able to get through claims-filing process with no problem because their employer provides coverage. Unfortunately, this isn’t the case. There are often times when insurance companies challenge the validity of a claim. While not required for a workers’ comp claim, by hiring a lawyer, you are able to get the advantage of experienced legal representation in your corner.
If I Am Injured, I Have to Go Through Workers’ Compensation
Workplace injury claims depend on how the accident occurred. In many cases, injuries sustained while performing job duties are covered by workers’ compensation insurance. Other times, injured workers may qualify for a third party lawsuit. These issues are best determined by an experienced work injury attorney who can tell you whether your case qualifies for workers’ comp or a lawsuit.
Workers’ Compensation Benefits are Only Available for a Short Period of Time
Some individuals who have been injured on the job believe that workers’ compensation benefits will only be afforded to them for a short period. This may not be the case depending on the severity of the injury. If you have been harmed and deemed permanently disabled, you may be able to receive permanent benefits.
Call our firm to learn more about your possible claim.