The annual number of workplace accidents (in the US) that result in injuries dramatically increased during the early 20th century, prompting the government to enact laws intended to ensure financial assistance to injured workers.
One of these laws is the workers’ compensation benefit of 1908, which was a big boost, especially to workers in the construction industry – people who suffered some of the most severe work-related injuries. This benefit, which was required by law on many employers all across the US, included medical care, payment for lost wages, death benefit and specific loss benefits (paid to those suffering from permanent or severe facial neck or head deformity). The website of Scudder & Hedrick, PLLC, states that loss of function of even one body part due to work, even if the loss is not total, also legally entitles the injured worker to receive compensation. Loss of function of a body part includes loss of sense of sight or hearing, or loss of the functioning of the leg, hand, foot, toe, finger, hand or thumb. While the usual amount of compensation is about 2/3 of the employee’s wages, its duration will depend on the particular body part that was injured and the severity of the injury.
Thus, the actual primary aim of the workers’ compensation benefit was to help injured workers financially until the time they are able to return to work. But there have been instances when the injury sustained by the employee renders him/her permanently disabled. In such cases, the benefits may be paid to the employee in lump sum form (the injured employee’s medical records, the cost of future medical treatment and getting temporary employment elsewhere despite the injury, are also considered in the determination of the amount of compensation).
If the injury will obviously no longer enable the employee to return to his/her previous work, then it would be part of the insurance company’s lawyer’s job to help the injured find alternative work which he/she will be able to perform well. Observing extra caution regarding this may be necessary as assisting you in finding another job may just be a tactic to keep the insurance company from paying the full amount of compensation.
You have shown your commitment in serving your company, despite hazard to your safety and health, without hesitation or delay; in the event of an injury it is only right that your company express its gratitude by awarding you full compensation for your injuries. Sadly, the workers’ compensation claims can be difficult to apply for correctly. A Massachusetts personal injury attorney can help you understand the process and the methods by which these applications are submitted.