Thursday, February 27, 2020

How to Fight the Hidden Costs of Workplace Injury

It is an unfortunate fact that thousands of workplace injuries take place every single year, and many of those injured employees are left with staggering bills and no financial assistance. If you have recently been injured while working, then you need to come up with a comprehensive plan for protecting your health and finances.

Don’t Ignore the Injury

One of the worst mistakes that an employee can make is hiding their injury after an accident has occurred. While you might think that hiding your injury will save you some money, it could actually cost you quite a bit in the long run. 

As soon as you are injured, you should report the incident to the HR department and immediately go to the hospital. Delaying those steps by even a few days could have a huge impact on your expenses in the coming months. 

Head to the Right Doctor

If the accident was severe and you need immediate medical attention, then you should head to the closest emergency room or center. For other injuries, you want to make sure that you find the correct doctor. 

Your insurance might have very strict rules regarding which doctors you can work with, and going outside your network could end up costing you quite a bit of money. That is why everyone should spend some time familiarizing themselves with their insurance policies. 

Write Down All of Your Expenses

From the moment that you are injured, you should begin writing down as much information as possible for your personal records. In addition to jotting down exactly what took place during the incident itself, you can also keep a running list of any expenses that you have to deal with. 

That list needs to include any monthly bills that you have missed as well. While you may not be reimbursed for all of these costs, all of these are worth bringing up to an employer in a workplace injury case.

Contact an Attorney

Even if you receive some compensation for your injury, that money might not be enough to cover all of the hidden expenses in the coming months or years. That is why many injured employees contact workers compensation lawyers to explore all of their options. 

Your attorney will be able to negotiate on your behalf so that you get a fair settlement that helps you get back on your feet.

While you might hope that you will be fairly compensated after a workplace injury, that isn’t always the case. Injured employees must be proactive and diligent if they want to move past those accidents with their finances intact.

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