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Find Workers’ Compensation Insurance Lawyer

Find Workers’ Compensation Insurance Lawyer

Workers’ Compensation Insurance

Workers’ compensation is a vital tool to assisting in the recovery of an employee. Whether it provides medical expenses, income replacement, or other benefits, most states require that employers have workers’ compensation insurance. By purchasing this insurance, companies are not on the hook in the event of a workplace incident.


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Jane Gordon Law

2 years in practice
Animal Bites, Auto Accidents, Bicycle Accidents, Brain Injury, Maritime Injury
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Scott R. Scherr, P.A., Attorney at Law

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32 years in practice
Auto Accidents, Crimes and Aggravation, Criminal Appeals, Criminal Defense, Criminal Trials and Juries
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Jane Gordon Law

2 years in practice
Animal Bites, Auto Accidents, Bicycle Accidents, Brain Injury, Maritime Injury
View Profile

Scott R. Scherr, P.A., Attorney at Law

google-logo
32 years in practice
Auto Accidents, Crimes and Aggravation, Criminal Appeals, Criminal Defense, Criminal Trials and Juries
View Profile

Covering Employees Injured on the Job

Workers’ compensation insurance exists to help employers provide for workers who are injured or fall ill on the job. In order to ensure that employers are in accordance with state laws, a healthy knowledge of what qualifies a workers’ compensation claim as well as any exceptions to workers’ compensation coverage is necessary.

Workers’ Compensation Qualifications

In order to qualify for worker’s compensation there are a few steps that must be followed. First, a qualifying incident must have occurred. A qualifying incident is an illness or injury that occurred at the workplace through the performance of typical work duties. Once a worker has been evaluated whether or not the incident qualifies as a workplace accident, a workplace incident report must be filed and submitted to the company’s insurer and potentially the state government. From there, the insurer will conduct its own evaluation as to whether the employee suffered a qualifying injury.

Workers’ Compensation Exceptions

Workers’ compensation can be essential for employees but sometimes, even when the injury would otherwise be covered, there are some exceptions to workers’ compensation coverage. These exceptions are:
- Commutes
- Intoxication
- Fights
Commutes do not qualify because while they do occur due to work-related activity, they do not occur at work. Intoxication and fighting may occur at work but they are disqualifying because they involve reckless disregard for standard, safe operating procedures.

Ensuring Coverage Amid Complexities

If you are seeking to navigate the complexities of workers’ compensation insurance, you will need the help of an experienced insurance law attorney. An insurance law attorney is able to focus completely on your case, zealously advocate for your interests, and get you the best possible outcome.

In order to achieve this best outcome, however, you will need an attorney who has the expertise and resources to take your case all the way. That’s why you should contact Attorney at Law. By partnering with AAL, you will be able to avoid slogging through the quagmire of unscrupulous lawyers looking to exploit your case.

At AAL, we only partner with the best firms in your area, helping you find the best attorney for your case. Don’t wait, contact AAL today to be matched with skilled and experienced attorneys in your area who practice insurance law.

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Workers’ Compensation Insurance Frequently Asked Questions

1. What is workers' compensation insurance and why is it important?

Workers’ compensation insurance is an often mandatory policy that employers must pay into in order to ensure that their employees can make a workers’ compensation claim. In most states it is required to pay into it in order to ensure employees are taken care of in the event of a workplace accident.

2. Who is eligible for workers' compensation benefits?

Workers who are employed by the company and suffer a qualifying illness or injury may make a workers’ compensation claim. Subcontractors are not necessarily covered by a workplace’s workers’ compensation insurance. 

3. What types of injuries or illnesses are covered under workers' compensation?

Any illness or injury that can be definitively traced back to the workplace can be grounds for a workers’ compensation claim. The exceptions for this are injuries or illnesses caused by intoxication, interpersonal fights, or that occur during the employee’s commute. 

4. How does the claims process for workers' compensation work?

First, a work-related injury must be documented. If not documented, a workers’ compensation claim cannot be made. Next, the company’s insurer and relevant state authorities should be notified. Once the insurer receives the reported injury they will begin the process of verifying and either approving or rejecting the claim. 

5. What benefits and compensation can an injured worker receive through workers' compensation insurance?

Workers’ compensation can award a number of benefits to employees including coverage of medical treatment, replacing lost wages for recovery time, providing disability benefits, and awarding death benefits in the event that a worker passes away. By properly acquiring workers’ compensation insurance, employers can ensure that their employees are taken care of in the event of an accident.

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