Workers’ compensation claims are not always about an injury that will heal quickly. In fact, there are instances where these injuries are catastrophic. Because of this, there is a catastrophic workers’ compensation claim option.
Catastrophic injuries are those that devastate the worker’s life, and they often include long-term, serious injuries that result from a serious accident. These injuries put the worker at risk of death – in some cases, the worker does pass due to the injuries.
Some of the consequences of a catastrophic injury include brain trauma, fibromyalgia, amputations, disfigurement, and even blindness. These catastrophic injuries are covered under workers’ compensation insurance. However, employees who suffer from a catastrophic injury must speak with an attorney to ensure that they receive compensation for their long-term injuries.
Where Are Catastrophic Injuries Likely to Occur?
Anyone can suffer from a catastrophic injury, but those working in factories, construction, law enforcement, firefighting, commercial driving, airports, and other industrial-like environments are at high-risk for such injuries. Some common examples of catastrophic accidents on the job include:
- Being crushed by machinery
- Falling from a great height
- Asbestos diseases
- Car accidents
- Machine explosions
- Electrocutions or burns
These types of accidents have the need for immediate care. Often, the worker will be at the hospital for several days or weeks to recover. Then, he or she will go through multiple treatments, surgeries, and other rehabilitative therapies. In most instances, catastrophic injuries do not heal, meaning that the worker must deal with these injuries the rest of his or her life.
How Catastrophic Injuries Impact Workers and Their Families
Catastrophic injuries affect workers’ lives for years. They often suffer from additional complications, such as post-traumatic stress disorder, anxiety, depression, pain, and hopelessness. These long-term impacts require multiple treatments, medications, and specialists.
Employer Requirements for Workers’ Compensation
All employers are required to have a form of workers’ compensation insurance coverage. The amount of coverage required depends on the statute and the number of employees, as well as the nature of the business. However, when an employee suffers a catastrophic injury while performing his or her regular job duties, that employee is entitled to workers’ compensation through the employer.
It is critical that the worker receive medical treatment to mitigate damages. However, workers’ compensation does not always cover the extent of catastrophic injuries. Furthermore, workers’ compensation does not supply an injured worker with his or her full salary if the employee cannot work or is permanently disabled and will no longer work in the future.
Speak With an Attorney About Your Work-Related Injury
If you were injured on the job, whether it was catastrophic or recoverable, you have the right to collect workers’ compensation. Contact attorney B. Clarke Nash today to explore your options. He can help you figure out which route is best for you financially, and ensure that your employer’s insurance company pays for your medical coverage and lost wages. Schedule a free consultation today by calling his offices at 912-200-5292 or request more information online.