Some of the most common injuries sustained by doing lower-risk jobs are ones like nerve damage, carpal tunnel or back injuries. While those are still serious injuries, when you're working at high-risk jobs you can actually lose limbs, become paralysed and even risk dying. Every single employee is vulnerable to at least one type of injury at work while others are exposed to more of them. So, what should you do if you were injured at work? Even though it can be really scary and stressful, there are some steps that you need to take post-injury. That is what your compensation depends on. To be prepared, here are steps to take if you are injured on the job.
Report the Incident Immediately
Depending on the state you live in, they will have a different time limit on repeating your compensation claims. Although every state has its laws and the freedom to set their own time frame of reporting the injury, some states allow reporting it up to two years from when the injury has occurred.
Find Out If Your Employer Has Workers’ Compensation Insurance
Even if you are working a high-risk job, you shouldn't even be working for the employer if they don't have workers’ compensation insurance. All employers are obligated to carry workers’ compensation insurance, but in some places, they aren't obligated; it is just recommended. One of the first things that you should do after reposting your injury is finding out if they have workers’ compensation insurance. If you find out that they do have the insurance it is time to file your workers’ compensation claim which means that you can sue your employer for any additional compensations. But if you find that your employer doesn't have insurance or you live in a state where that is not required, you can file an outside lawsuit for compensation.
Consult with More Than One Physician
No matter if your boss has the compensation insurance or not, they will most likely make you see the doctor that they choose. While doctors do take an oath to do no harm and lie, it is always better and wiser to get more than one medical option when it comes to these things. If you get two similar diagnoses on your injustice, it is probably the correct one. But if you have visited a couple of doctors and got two completely different medical opinions, you should go to another one and see what the real deal is. Even though it can be quite a time consuming it will be worth it in the long run. The more evidence you have the easier it will be for the insurance representative or the judge to make a decision.
Hire an attorney if necessary
As we have mentioned earlier most states will require the employees to carry workers’ compensation insurance, which prevents you from being able to sue the company for any additional compensation. But some employees can ask for an additional hearing if they feel like the initial compensation amount isn't realistic. If you feel like you aren't getting the amount you should be getting, look into getting an opinion from compensation lawyers. They will be able to help you get a realistic outcome so you and the employer are both comfortable with.
Keep Careful Records
Another really important thing you need to do is keep all the copies of your medical records as well as all the bills you have received. Another thing you should keep a record of is any out-of-pocket payments you have made as a direct result of your injury. But most importantly you will need to keep a careful record of all the days you have missed work and why you missed them.
Take Photos and Videos
Even though this sounds weird, take photos of the incident. You should take photos of where the accident happened as well as your injuries. They will come in handy when you are making the compensation claim. Take them from a variety of angles so you can support your claim.
When you have been injured at your job, it doesn't matter if it was because of negligent training or faulty equipment you deserve to be compensated for the injustice you have sustained. Knowing what to do in case an injury happens will help you with the whole process and make it less stressful.