When a Georgia worker experiences an injury in a workplace accident, he or she could experience great difficulty securing financial support through workers’ compensation insurance. Despite the fact that this type of insurance coverage exists for the benefit of injured workers, you may be surprised to learn that not every worker is eligible for these benefits.
It is useful to know if you are eligible for benefits and what you should do in the event of a workplace accident. When you know your rights, you can better protect yourself and more effectively fight for the recovery you need and deserve. You are entitled to a complete explanation of your legal options and guidance as you seek your rightful benefits.
How do I know if I have coverage?
Not every type of worker will be eligible for workers’ compensation benefits. Your coverage may depend on your classification as an employee. For example, independent contractors may not be able to claim workers’ compensation. Other types of workers who may not be eligible to file a claim after an injury at work include the following:
- Seasonal workers
- Housekeepers, babysitters or other household workers
- Undocumented individuals
- Agricultural workers
If you fall under any of the above categories, it could be prudent for you to find out if you are eligible for benefits, even if you have not yet experienced a work-related illness or injury. If you are eligible, you still may not be able to get support if you cannot prove your injury relates to your job.
While most work-related injuries happen at the workplace, you could have a valid claim to workers’ compensation benefits if you get hurt in the break room, while you are off company property meeting with a client or at a company-related function. You would be wise not to make any assumptions about your case, but to act quickly to learn the most appropriate course of action for your individual case.
Fighting for the benefits you deserve
As soon as possible after a work accident, it would be prudent to take the steps necessary to file a workers’ compensation claim. However, if you experience complications or are not sure you are eligible, you do not have to deal with the claims process alone.
When you have experienced guidance to help you through the claims process, you can more effectively fight for the specific benefits you need to get better, get stronger and get back to work as expediently as possible.