There’s no doubt about it, worker’s compensation can be incredibly complicated. Luckily, there is no real need for everyone to understand every little detail of workers’ compensation, however, there are certain basics that everyone should understand. In our last blog, our workers’ compensation lawyer in Louisville went over a few basics of workers’ compensation, so if you haven’t already, check it out! Keep reading to learn more basics of worker’s compensation:
#4. Your medical records need to contain detailed information about your injury.
It is critical that your medical records are detailed and that they accurately describe your injury, including the circumstances and history of your injury, as well as every single body part that your injury affects. If a specific body part isn’t listed, workers’ compensation isn’t likely to cover it.
#5. Fault doesn’t necessarily determine your coverage.
Not many people realize it, but workers’ compensation is actually a “no-fault” insurance, which means that even if the injury is your fault, it should still be covered. But as always, exceptions do apply. For instance, if you knowingly injure yourself or if your injury was the result of horseplay, you may not be eligible for coverage. If your employer’s insurance is trying to get out of paying because they say it is your fault, turn to a lawyer.
#6. Ask about your specific coverage.
We can give you the general basics of workers’ compensation, but the best way to understand your policy is to ask your employer. Chances are, your employer will have some sort of information packet or brochure that will explain your coverage in detail.
Do you have questions or concerns about your workers’ compensation claim? If so, contact us today!