On-the-job injuries can happen in an instant and change your life forever. Contractors and employers take every precaution against injury, but construction sites present some of the most dangerous work conditions of any industry. Heavy equipment and construction materials, working in unprotected areas high off the ground, unguarded fall points, and other less-than-ideal conditions often result in workplace injuries or fatalities. What do workers do when construction accidents cause long-term consequences?
How Workers' Compensation Works
In Minnesota, workers’ compensation is a no-fault system providing mandatory coverage to employees for work-related injuries. Being no-fault means the employee does not need to prove an employer’s negligence to establish liability. The insurance is paid for by employers in exchange for the relinquishment of the employees’ right to sue the employer for negligence.
Work-related injuries can be any complication or complaint that is caused, worsened, or enhanced by the job activities. These may include traumatic injuries, routine type injuries, job-related diseases, and authorized mental injuries, like post-traumatic stress disorder (PTSD). The employee only needs to show that the job activities were a considerably important factor in the disability or need for medical care.
Benefits Provided by Workers' Compensation
There are three basic types of benefits provided by workers’ compensation. These are:
Lost wages. Claims for lost wages are not paid until you are off work because of the disability for three calendar days. If, however, you miss 10 calendar-days, you are paid for the entire time you missed work. Calculating weekly wage and compensation is decided according to guides produced by the regulatory agency in charge. Contact the personal injury attorneys of Bold Hoffer Boyd Law Firm to discuss your specific situation.
Medical costs. Employers are responsible for providing an injured worker with reasonable and necessary medical care or the supplies they need to cure or relieve the effects of the work-related injury. This includes the repair or replacement of a prosthesis or glasses, dentures, hearing aids, etc., and includes costs associated with obtaining medical care, among other things.
Vocational rehabilitation. The injured worker is entitled to be restored to employment similar in status and compensation to the previous job, if possible.
While workers’ compensation insurance should cover medical bills and a portion of lost wages, these benefits are limited and do not cover all losses. It is important to find a good construction accident attorney to investigate potential claims against other parties. Also, sometimes workers’ compensation insurers deny legitimate benefits claims or will not pay medical bills that are related to the injury.
Often the injury occurs at the fault of another contractor. A claim against the at-fault party differs from a workers’ compensation claim and should be handled by an experienced attorney. The personal injury attorneys of Bolt Hoffer Boyd Law Firm have years of experience successfully handling construction accident claims, against both small and large construction contractors. They have the resources and the knowledge to help you with even the most serious on-the-job injury. Contact us today if you have been injured in a construction accident.