Brownsburg, IN, Workers’ Comp Lawyers – Call “The Hammer”

If you’ve been injured or are sick because of your job, Isaacs & Isaacs attorneys can help you win your workers’ compensation claim. We know the rules. We have the experience to prove your claim is valid. And we know about all the benefits you may be entitled to. Let us worry about getting you your maximum benefits while you focus on getting better. We’re here for you 24/7 at 800-800-8888, or you can fill out our form for a no-obligation consultation with an experienced Isaacs & Isaacs workers’ compensation attorney.

Whether you work on a road crew, working as a checker at the local Marsh grocery store or even at the Brownsburg Public Library, a workplace accident can happen to anybody. When you’ve been hurt on the job, workers’ compensation insurance provides a safety net to pay your medical bills and help make ends meet while you’re recovering from your injury or illness. It also provides support to dependents of a deceased worker in many cases. However, winning a claim for workers’ compensation can be complicated, and without the help of an experienced attorney, your claim could be denied.

What Is Workers’ Compensation Insurance, and Who Is Qualified for Payments?

Indiana law mandates that most employers carry insurance coverage for work-related injuries. If you are injured while doing your job or suffer a job-related condition, such as carpal tunnel, you may qualify for workers’ comp if you are out of work for more than seven days. The insurance pays your medical bills and tax-free payments, which equal about two-thirds of your pay until you can go back to work. In exchange for the insurance coverage, you give up the right to sue your employer for most workplace injuries.

Most employees are covered by Indiana workers’ compensation, including employees who are working out of the state if they have an Indiana employer. Employees are covered from their first day on the job and every day they work. Some kinds of workers who are covered in Indiana include:

  • Executive officers of corporations
  • Indiana workers working out of the state or abroad
  • Members of the General Assembly
  • Boxers, wrestlers, and other ring exhibition employees
  • Minors
  • Students working under Federal School to Work Act
  • Volunteer firefighters and EMTs
  • Part-time workers

Indiana Workers who are not covered by Workers’ Compensation include:

  • Executive officers of corporations
  • Indiana workers working out of the state or abroad
  • Members of the General Assembly
  • Boxers, wrestlers, and other ring exhibition employees
  • Minors
  • Students working under Federal School to Work Act
  • Volunteer firefighters and EMTs
  • Part-time workers

The above lists are not all-inclusive. If you are not sure whether you are covered or not covered, you could contact the Indiana Workers’ Compensation Board or you could talk to an attorney with experience in workers’ compensation claims.

What Benefits Are Available?

Temporary Total Disability is paid for the period you cannot work due to your injury, for a maximum of 500 weeks. The TTD payments are two-thirds of your pre-injury average weekly wage, nontaxable.

Temporary Partial Disability is paid if you cannot work the hours you worked prior to the injury or if the injury only allows you to do work that pays less. TPD payments are two-thirds of the difference between your wages prior to the injury and your reduced post-injury wages. You can receive TPD for a maximum of 300 weeks.

Permanent Total Disability is paid if your injury is so severe that you can never work again. Because PTD is complicated and it’s important to receive all the benefits you’re legally entitled to, it would be wise to enlist the help of an experienced workers’ comp lawyer if you are hurt so badly you may never be able to return to work. You can receive two-thirds of your average weekly wage for 500 weeks, and if you and the insurance company agree, your benefits may be paid in a lump sum of not less than $75,000.

Death Benefits are available to dependents of a worker who dies from a work-related injury or illness. Funeral expenses are also paid, up to $7,500. There are various rules regarding death benefits to dependents. In order to ensure that your family receives maximum compensation, it is a very good idea to consult an attorney with experience in Indiana workers’ compensation law.

What Do I Do to Receive Workers’ Compensation Benefits?

If you’ve been injured from an accident while doing your job or find out that you have a job-related sickness or injury, you must seek medical attention and notify your employer within 30 days. It is a very good idea to report your injury or illness as soon as it happens or you are aware of symptoms. If your employer or company insurer disputes your claim, waiting until the deadline to report your injury may be seen as a sign that your injury isn’t so serious.

It is your employer’s responsibility to report your claim to the Indiana Workers’ Compensation Board and also to its insurer. The insurer also has a time limit to file your claim. If you want to check to see whether a claim has been filed for you, you can access this info by entering your Social Security number into the Workers’ Compensation Board website, under the menu selection Confirm First Report Filing.

Does Workers’ Comp Cover Medical Bills If I Go to the Doctor?

Yes, you will be reimbursed for medical treatment and for any work you miss because of going to the doctor. However, your employer or its insurer has the right to pick your treating doctor after emergency treatment for an injury. You have rights, such as the right to pick your own doctor if your employer fails to provide one, and not to pay until the board decides whether you or your employer is responsible for the bill. If you go to your own doctor for a second opinion or because your employer doesn’t provide your treating physician, you risk being liable for the bill if the workers’ comp board rules against you.

Why Would I Need an Attorney to Receive Benefits I Am Legally Entitled To?

Your employer or its insurer could dispute your claim. Insurance companies are not known for being eager to pay out claims. Also, your employer may want to keep insurance premiums down. There are many defenses either your employer or its insurance carrier could use, including:

  • You injured yourself on purpose
  • You were intoxicated at the time of injury
  • You failed to follow company safety policies
  • You broke the law
  • Your injury did not occur in the course of employment

If your employer or the insurer disputes your claim, you have a right to request workers’ comp mediation through the ombudsman division. The mediation would be an informal meeting with your employer/insurance carrier and a mediator where you attempt to reach an agreement. The mediator could render an opinion but it is non-binding. Failing an agreement between you and your employer/insurer, or if your claim does not qualify for mediation, you have a right to a hearing before a workers’ compensation judge.

The Indiana Workers’ Compensation Board recommends having an attorney prior to the hearing before the board judge. Like a regular court case, you have a right to represent yourself at the hearing, but this is a bad idea. Winning a disputed claim could be every bit as complicated as winning a case in court. You will be expected to abide by the rules of evidence, and present substantial proof to back your claim. You will also have to abide by hearing rules and procedures, whether you have an attorney or not. The judge must render an impartial decision at the hearing, and you will have the burden of proving that your claim is valid.

How Am I Supposed to Hire a Workers’ Compensation Attorney When I Can’t Even Work?

Isaacs & Isaacs workers’ compensation attorneys have helped hundreds of injured workers to receive the benefits they desperately need. We will represent you on a contingency fee basis: you don’t owe us anything until and unless we win your claim. The board recommends hiring an attorney with experience in representing injured workers with workers’ comp claims. There’s a statutory limit on how much an attorney can charge you.

It is a very good idea to call Isaacs & Isaacs for a no-obligation consultation with one of our experienced workers’ compensation lawyers as soon as your accident happens, or you know you have a job-related illness. We have the experience and the knowledge in Indiana workers’ compensation law to help you to obtain the maximum benefits you may be entitled to for your injury or illness.

In some cases, when your injury was due to negligence or strict liability on the part of another entity, such as a safety equipment manufacturer or a cleaning company, a third party may also be liable for your injury. Isaacs & Isaacs experienced attorneys would know when it’s appropriate to file a third party lawsuit as well as a workers’ comp claim.

If your employer or its insurer knows you have hired an experienced lawyer, they may be less likely to spend the time and money to dispute your claim. We will work hard to get you your benefits as soon as possible. We know that your financial obligations do not halt because you’re too sick to work.

Call Isaacs & Isaacs for a Free Consultation 24/7

At Isaacs & Isaacs, we understand how crucial time is in legal matters, and we are on call around-the-clock to respond in legal emergencies. If you are not sure whether you have a valid claim or if you need help with your claim, give us a call at 800-800-8888, or fill out our form to speak with an experienced Isaacs & Isaacs workers’ compensation attorney.

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