Having a job that provides the ability to make the income that you need to support your loved ones is something everyone wants and needs. If you're injured on the job and you are not able to work, then things can change in a hurry. This is why the Indiana workers' compensation program was designed.
What Are the Rights of Indiana Workers?
The Indiana Workers' Compensation program was designed to protect employees who are injured, become ill, or are killed while on the job. The theory underlying the law is that industry, not the worker, should bear costs associated with a worker injured on the job.
When there is a workplace injury or occupational exposure, the workers' compensation program is designed to step in and provide:
- Medical treatment
- Wage replacement
- Compensation for time off work
These benefits are your legal right and cannot, by law, be denied. Sadly, the bottom line is more important to all employers and insurance carriers instead of your well-being.
What if Your Workers' Compensation Rights Are Denied?
If you experienced an on-the-job injury, there are times when employers and/or insurance carriers try to duck their responsibilities and cheat workers out of the benefits they deserve.
Indiana law requires employers to carry workers' compensation coverage or be approved for self-insurance. In addition, an employer must:
- Provide all employees with an explanation of benefits to which they are entitled.
- Provide an explanation of how, when, and to whom to report an injury.
- Provide information about where to get medical treatment if injured.
- Notify its insurance carrier or third party administrator as soon as a work-related accident or occupational exposure occurs.
When the employer doesn't abide by these rules, your benefits could be delayed, inadequate, or denied. At this point you may have to get legal help.
Do You Need an Indiana Workers' Compensation Lawyer?
If the employer has acknowledged the injury, and you are receiving appropriate medical care and temporary disability payments, you probably don't need a lawyer.
On the other hand, because Indiana workers' compensation laws are complex—and because many injured workers make mistakes that could cost them full benefits. For this reason, you should contact a LaPorte County workers' compensation lawyer for advice as soon as you are injured. An attorney can:
- Assure your rights are upheld.
- Be sure you receive full compensation.
- Make sure you have the benefits that you need.
- Help with coverage disputes.
- Handle any related insurance disputes or personal injury matters.
- Represent you in any third-party claims because of your injury
If you have any questions about a LaPorte County workers' compensation matter, call us at (219) 874-4878.