When you are injured on the job, you must file for a worker’s compensation claim, and the settlement should be approved before it is stated as an official. Some states have strict guidelines for workers’ compensation claims, but some have looser guidelines. Therefore it is important to understand the claiming process and the timelines in your state. You deserve fair compensation, covering all your medical expenses, lost wages, and extra expenses incurred due to your injuries.
How long does it take to get worker’s compensation?
The entire settlement process can take around 10-18 months, which also depends on the severity of your case and whether you have any legal representation. If you do not have an attorney, could not negotiate your settlement, or do not have any permanent disability, the process might take up to 10-14 months. The process might take a bit longer with a lawyer–around 16-18 months. If you have negotiable workers’ compensation settlement, it will take 20% longer than usual to settle, but you will receive a more favorable outcome.
When you seek more money (which is not enough to compensate for your damages) than the initial offer from the insurance company, it is known as negotiation.
The insurance company will offer you an initial settlement for medical expenses and disability when you file for a workers’ compensation claim after a work injury. You can accept the offer or negotiate to cover more of your damages.
To receive a fair settlement, you will have to negotiate with the insurance provider. It is helpful to have a workers’ compensation lawyer with you to help, as the process is difficult and hectic to go against the workers’ compensation insurance companies all alone.
What factors affect the period of receiving workers’ compensation?
When calculating your workers’ compensation settlement, you and your lawyer will consider the below-mentioned factors.
- All treatment expenses, medical costs, hospital stays doctor visits and ambulance rides.
- Future medical expenses include surgeries, physical therapy, and prescription medication costs.
- Local workers’ compensation laws
- Lost wages and changes in lost wages
- If you face disability from your injuries
What causes delays in workers’ compensation claims?
The insurance company will delay sending you an offer or replying to your queries. The period of receiving the compensation and negotiating for the workers’ compensation claim may also get delayed by the response time of your employer and the insurance company.
It may also take longer if you negotiate with the insurance company while still receiving treatment for your injuries. Therefore, it is helpful to have a lawyer with you who can handle all the compensation matters.