In the unfortunate event that a Pennsylvania worker was injured in a construction accident and decides to file a personal injury claim against the employer, he or she should be aware of workers’ compensation laws that could affect the claim. By carefully and knowledgably proceeding in such actions following a workplace accident, the worker may be able to understand and procure the maximum benefits allowed by law.
Employers in almost every state are legally responsible for carrying workers’ compensation insurance for the protection of any employee who may become injured at the workplace. It’s an insurance policy that covers the injured worker’s losses, such as medical costs and income losses, during his or her recovery period.
Following a workplace injury, workers’ compensation benefits consist of reasonable payments covering the employee’s medical expenses, medications and travel costs to and from a hospital. Through the benefits, temporarily disabled workers are entitled to receive bi-weekly payments equaling roughly two-thirds of his or her weekly paycheck with a doctor’s verification. Construction workers who suffer a permanent disability in a construction accident may be eligible to receive extra compensation based on the severity of the injury other factors such as the worker’s age, position and income. Injured workers who are unable to return to their former employment because of the injury may be compensated for retraining costs.
By taking a few important steps, employees who are hurt on the job can receive compensation for their losses quickly and without incident. First, the worker should promptly inform the employer of his or her injury on paper. Secondly, the employer must immediately offer the injured worker claim forms to apply for workers’ compensation benefits. The employee should fill out the paperwork carefully and completely. Lastly, the employee should keep records of all the paperwork involved in the filings. Any worker who experiences any disputes or delays regarding the benefits should consider contacting a local workers’ compensation attorney who could assist the worker through the process.
Source: Findlaw, “Construction Accidents and Workers’ Compensation“, August 28, 2014