Getting injured while on the job is always a scary thing, but few professions are more frightening than those of a construction worker. Not only is the likelihood of a serious injury greater when working within this field compared to others, but the stress of not knowing when you are physically capable of returning to work can add another layer of frustration that may slow down the healing process.
Thankfully, those who are injured while at work generally qualify for workers’ compensation benefits. These benefits can provide the funds you need to cover expenses while you heal — even when you cannot work.
How do I make sure I get the benefits I deserve?
Although workers’ compensation benefits are often a legal right to those who are injured at work, the insurance companies that oversee these benefits are not always keen on giving workers the benefits they deserve.
Four things that you can do to better ensure you get your benefits include the following:
- Report. Tell your employer about the injury or illness as soon as possible. Try to do this in writing and keep a copy of the document for your own records. If you tell the employer verbally, it can help to send an email later recounting the conversation to have some record of the notification.
- Document. Write out what happened and keep copies of all medical bills. Keep records of missed work and other tangible ways that the injury had a negative impact on your finances.
- File. You cannot receive your benefits until you actually file an official claim for workers’ compensation. You generally begin by filing the request with your employer, who then contacts the workers’ compensation insurance provider.
- Follow through. Do not hesitate to get legal counsel to help advocate for your interests.
You do not need to go through this process on your own. You can get legal counsel to advocate for your interests and better ensure you get these benefits so you can focus on healing.