Workers Compensation

Workers compensation is a kind of insurance that you might not even know you have. That is because your employer pays for it, but it doesn’t show up on your paycheck. Workers compensation is a no-fault system in georgia. That means it doesn’t matter who is to blame for your injury. It is meant to compensate workers who get hurt one job. The decisions that you make about your worker’s compensation injury are critical. Before you sign anything from the insurance company, you need to make sure that you are being fairly compensated. After all, you only have one body for the rest of your life.

What is my workers compensation case worth?

Most of the time, the workers compensation insurance company will be open to negotiate a settlement with you.  In exchange for a lump sum payment, the insurance company will want you to give up your right to a weekly check and other workers comp benefits.   Workers compensation cases are different than other types of personal injury cases.  There is no trial in a workers compensation case.  The only way you get a lump sum payment is if both you and the insurance company can agree to settle.  The value of your case depends on how much your benefits will cost the insurance company.  If you have a high salary or expect to have large medical costs, then the insurance company will pay more money to make you go away.  Simply put, if the insurance company has to pay a lot of money in benefits, then they will be willing to settle for more money.  If you have a good idea of how expensive your workers comp benefits are, then you will have a good idea of the settlement value of your case.

There are three kinds of workers compensation benefits.  The first is medical expenses.  Your employer has to pay for all of your work-injury related medical expenses and there is no co-pay.  As long as the injury is work-related, they have to pay.  The second benefit is future lost income up to $575 dollars per week.  The third benefit is your impairment rating.  Your impairment rating is meant to compensate you for any permanent disability.  This is often the least valuable part of your case.

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