Those who work in Cape Coral have protections. Workers’ compensation coverage generally allows workers to receive compensation for medical care and lost wages for injuries that occur at work regardless of fault. Unfortunately, getting these benefits is not always easy, and insurance companies may reject a workers’ compensation claim or end an injured worker’s benefits prematurely.
A Cape Coral personal injury lawyer from the Law Offices of Anidjar & Levine can help you pursue compensation or appeal a denial of benefits. Call the Law Offices of Anidjar & Levine today to find out how we go the extra mile for each of our clients.
Injuries and Illnesses That May Entitle You to Coverage
The Florida Office of Insurance Regulation (FOIR) explains that employers in Cape Coral are generally required to carry workers’ compensation insurance. Many circumstances may activate such coverage for you or a loved one.
The following hazards or events may qualify you for coverage:
- Falling objects
- Slipping hazards
- Tripping hazards
- Unsafe equipment
- Work-related stress injuries
- Motor vehicle accidents
Every job and work location may present unique hazards. Injuries can happen in a wide variety of work settings and circumstances. Illness may also be covered through workers’ compensation. You or a loved one may have become ill because of exposure to:
- Radon
- Asbestos
- Toxic chemicals
- Any other dangerous substance
Workers’ compensation may provide sufficient coverage for your losses. In some cases, a lawsuit may be warranted.
What Workers’ Compensation Generally Covers
Workers’ compensation insurance may cover two primary injury-related expenses:
- Medical costs
- Lost wages
Workers’ compensation insurance may cover only a portion of your lost wages, but it could be a significant portion. While these are the losses that insurance generally covers, you may face one or more challenges in obtaining coverage for these losses.
Your lawyer will deal with any challenges that arise during the insurance process. They will respond to:
- Attempts to suggest that your injuries or illness are not work-related
- Allegations that you caused your injury or illness through non-work-related activities
- Assertions that certain medical care was not necessary and is therefore not eligible for coverage
- Any other actions or allegations that could affect your coverage through workers’ compensation
Insurance companies may have extensive experience dealing with workers’ compensation claims. They may have a goal of undervaluing claims, hoping that you will accept a less valuable offer than what you deserve.
Your Cape Coral workers’ compensation lawyer will have a clear understanding of your losses. They will know precisely how much compensation you may deserve and will fight for that amount of coverage.
Call the Law Offices of Anidjar & Levine today to complete your free consultation.
A Lawyer Can Protect Your Rights
You may be in a vulnerable position after suffering a workplace injury or becoming ill because of work-related conditions. A lawyer from our firm will protect you from anyone who might try to take advantage of you or your loved one.
The first party they may deal with is an insurance company. The insurer who issues your employer’s workers’ compensation policy represents your employer, not you. They may have a financial goal, and it may be to pay you as little as they can.
Your lawyer will support your case by:
- Gathering any evidence that shows you were injured during the normal course of your employment
- Speaking with witnesses who saw how your injury happened
- Hiring or obtaining testimony from any experts who can help your case
- Documenting the cost of your medical care and lost wages
Having supporting evidence and documentation may be valuable to a workers’ compensation claim. It may take time and significant resources to obtain such supporting documentation. Your lawyer will spend the necessary time and effort to strengthen your insurance claim.
Insurance may not provide sufficient coverage. Depending on the specific nature of your case and applicable laws, you may eventually bring a lawsuit against a liable third-party, such as the manufacturer of a defective tool, in pursuit of compensation.
A Lawyer Will Explain Whether a Lawsuit Is Necessary
Workers’ compensation insurance may generally protect insurers from lawsuits. However, some circumstances may make a lawsuit legal and necessary.
You may bring a lawsuit if:
- Your loved one died from a work-related accident or illness
- Your employer does not have workers’ compensation insurance
- Other extenuating circumstances apply
Your lawyer will speak with you about bringing a lawsuit. A lawsuit may require some of the same duties as an insurance claim, like evidence gathering and calculation of your losses. However, completing a lawsuit may be notably different from an insurance claim in other ways. For example, you may be entitled to a broader range of losses if you win a lawsuit.
Possible Coverage Through a Lawsuit
In addition to the cost of medical care and lost wages, a lawsuit may allow you to recover compensation for:
- Your pain and suffering
- The cost of psychological counseling
- Other losses that come from your injury, illness, or loss of a loved one
A lawyer from our firm will explain what losses they may seek coverage for before they begin your lawsuit. Every victim has unique circumstances, and losses may vary greatly from one case to another.
Call the Law Offices of Anidjar & Levine Today
Call the Law Offices of Anidjar & Levine today to learn how we will provide you or your loved one responsive legal care. A Cape Coral workers’ compensation lawyer from our firm will fight to obtain justice on your behalf.
You worry about getting better. We take care of everything else.
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