Workers Compensation Insurance Explained

Workers compensation insurance, commonly called workers’ or workmen’s comp, is a form of insurance designed to provide compensation to workers who have been injured while on the job.

While the details can vary significantly from one plan to the next, insurance plans in this category typically provide for some form of wage replacement, payment and/or reimbursement of medical costs, compensation for economic losses, possibly damages for pain and suffering, and settlements to the insured’s dependents in the case of a fatal work-related accident.

Given this broad range of covered areas – essentially combining the key features of disability insurance, health insurance, and life insurance, among others – workers’ comp is certainly one of the more critical forms of insurance an individual can obtain. By knowing all you can about workers comp you can ensure that if an accident happens on the job you are covered. If you are not you could find yourself and your family in trouble down the road. We all need money to pay the rent and buy food and getting compensation for an injury at work can help you to pay for these necessities.

Workers’ compensation insurance is typically associated historically with labor or professional unions, and is often the result of coordinated campaigns to obtain the coverage for the union members. Proponents of workers’ comp cite improved working conditions, economic support for employees, and the safety net provided by the insurance, as key benefits of workers’ comp. Critics of this type of insurance cite increased costs to employers and potential infringement on workers’ rights to seek recompense on their own. Another concern that is frequently raised is the possibility of American companies moving parts of their operations or even their entire companies to areas with looser workers’ comp law. In the United States, however, workers’ comp laws are nearly universal, and almost all employers must carry the insurance in some form for their employees.

The body of laws governing workers’ compensation insurance has become extremely complex and varies from state to state. For example, in many states it is illegal to terminate an employee for filing a claim or for reporting an injury incurred at the workplace. This isn’t illegal in all states, however. And while most states don’t allow employers to deny employment based on previous workers’ comp claims, employers are able to check a commercially maintained database of claims, a system that could potentially be abused by unethical employers.

Because abuse of the system has occurred on the part of employees as well, stiff fines and other legal penalties are in place for persons who file false claims for workers’ compensation benefits. While stories of supposedly injured employees engaging in physically demanding activities are commonplace, little hard data exists to indicate what percentage, if any, of the claims filed every year are actually fraudulent.

Vigorous investigation by employers, including tactics such as secretly video taping claimants engaged in physical activity, have also undoubtedly helped reduce the number of false claims. Certainly the vast majority of claims filed are the result of legitimate, unavoidable workplace injuries.

Workers Compensation Insurance
Workers Compensation Insurance
Who Receives Death Benefits

In most cases, the benefits are always given to the dependents of the deceased. For example, the children and the wife may be compensated when a husband and dad dies from workplace related fatality. Sometimes, parents are given the death benefits when a sibling passes on from a workplace accident. These cases differ from one another; it is therefore advisable to consult our lawyers to understand your specific case.

Lost Income Benefits Lawyer

Our compensation lawyers work as legal teams, handling every part of your claim with expertise and experience. This is very important when working against the huge resources at the disposal of insurance companies. A lost income benefits lawyer is therefore your best chance at getting the just compensation you deserve.

Certain occupations pose high risks of accidental injury or death. Workers compensation laws throughout the country ensure that any worker injured in the course of employment is adequately compensated.

Our Experts

Our firm experts specialize in workers’ compensation, motor vehicle accidents, and dealing with a multitude of injuries that can happen in the workplace.

Workers Compensation Law

Workers compensation in Georgia is a complex administrative law legal system and you will be at a distinct disadvantage if you try to grapple with seasoned insurance adjusters or defense counsel.

Workers Comp Insurance

Workers Compensation is a specific type of insurance that helps business owners provide wages and medical benefits to employees who have been injured on the job.

Retain Us Today

Should you retain Bobe & Snell, you will receive our 100% commitment to cooperation, competency and caring representation.

Bobe & Snell has a simple philosophy to contribute to the happiness and wellbeing of our families and to our personal growth through a challenging law practice dedicated to excellence and achieving results that have a positive impact on our clients using a creative and benevolent approach.

Personal Injury Attorneys

We are a reputable personal injury claim attorneys dedicated to making your claiming compensation for your injury easy. We work on contingency basis, so your peace of mind is guaranteed. If you have been injured due to negligence, omission or commission by another person, it’s natural that you seek compensation. However, the insurance company of the responsible party will not just agree to pay you, or if it does, it will try to reduce the amount that you will receive to the minimal. This is why we ask you to work with us and benefit from our many years of experience, knowledge and expertise.

Our team of courteous and friendly staff is able to provide you with a high quality legal consultation. When you make contact with us for the first time, there are a few questions which we will ask you. This is important because it helps us know more about you and how you got injured. Most interestingly, we don’t charge our customers for this first consultation. By choosing to work with us from the time you get injured, you will have made the best decision and you will definitely be on the right track to getting fairly compensated.

Compensation For Your Personal Injury

We know how much you are entitled to as compensation. There are several factors that we take into account to arrive at a fair amount for a personal injury claim and among them are the extent of the injuries suffered, loss of current and future income, expected medical expenses and the amount of pain and suffering that you underwent among others. We work with specialists from other fields to ensure that our clients receive a fair compensation for the injuries that they suffered. We can advice you on what’s possible and what is not, therefore helping you make informed decisions much earlier.

Filing Your Personal Injury Claim

We comprehend that filing a personal injury claim is never an easy task. There are strict procedures and time frames that should be followed. By working with us, you can have the assurance that your claim will be filed correctly. Our teams also ensure that our application is not expunged because of technical errors. Moreover, we have the tools and networks to access important documents, forms and police reports which can help us obtain positive results for our clients. Even when you are still undergoing treatment, we can help you handle your personal injury compensation claims while you concentrate with recuperating.


Personal Injury Claims