Getting hurt on the job can negatively affect every part of your life, especially if you miss a lot of work while recovering from a long-term and potentially debilitating injury. Even worse, while your employer is supposed to provide workers’ comp coverage as long as you’re classified as an employee, getting the benefits you deserve can require a long and hard fight with an insurance company that will never have your best interests at heart.
If you’re dealing with a work-related injury or illness and want to make the most of a workers’ comp claim, contacting a Creve Coeur workers’ compensation lawyer should be your top priority. At OnderLaw, we are on your side and by your side every step of the way, and guidance from our supportive legal professionals can make all the difference in the outcome of your case.
Insurance companies exist to make money, and they can only profit if they provide fewer benefits to people who make claims with them compared to the premiums they take in from policyholders. That means it’s not just a coincidence that insurance companies will fight tooth and nail to avoid paying out workers’ comp claims—it’s their entire business model.
Even if you have extensive evidence to prove that you were hurt directly in the course of your employment and that your injuries are debilitating, the insurance company will do everything it can to minimize its liability for your damages. This may involve rooting out every tiny procedural error you make or, in some cases, outright flaunting the law. Representation from a reliable Creve Coeur workers’ compensation attorney at OnderLaw can be critical to overcoming this opposition and ensuring your claim has the best possible outcome.
In addition to reimbursement for all “reasonably necessary” medical treatment, a successful workers’ comp claim should allow you to recover for a substantial portion of any wages you lose due to time missed at work during your physical recovery. “Temporary total disability” benefits generally start accruing after you miss three days of work due to an injury and are usually equal to about two-thirds of your pre-injury weekly wage.
If you suffer a permanently disabling injury or illness on the job, you may also be eligible for permanent partial or permanent total disability benefits—the exact value of which can vary somewhat depending on the nature and severity of your disability. As our experienced workers’ compensation lawyers in Creve Coeur can affirm, though, convincing an insurance company that your disability is as severe as it is—or even that certain types of treatment are actually “necessary”—can be extremely difficult, especially if you try to do it alone. Fortunately, you don’t have to.
In theory, filing a workers’ comp claim should be a straightforward way of making sure your employer helps you through an injury or illness you suffered specifically because of the work you did for them. In practice, though, all kinds of procedural roadblocks and legal restrictions can get in the way of getting the benefits you need—many of which are put in place intentionally by the very people who are supposed to be providing those benefits.
Working with a Creve Coeur workers’ compensation lawyer from OnderLaw will dramatically boost your chances of securing the benefits you deserve without piling too much additional stress on you and your family. Call today to schedule a free consultation with one of our dedicated legal professionals.