Workers’ compensation is a mandatory insurance program in Georgia that enables workers to recover the costs of medical care and lost wages after a work-related illness or injury. All employees who suffer due to occupational diseases or workplace injures are eligible for benefits through the State Board of Workers’ Compensation. There is no need to prove someone else’s negligence in relation to your injury. The program will compensate you regardless of fault, as long as you fulfill other requirements. If you’re pursuing a workers’ comp claim and are having issues or difficulties, come to Kaufman Law, P.C. for a free legal consultation.
As an employee, you should not have to pay for injuries or harms that arise out of work-related tasks. This is the belief that founded workers’ compensation insurance programs throughout the U.S. In Georgia, any business with three or more employees, including part-time workers, must carry workers’ compensation insurance. Failure to comply with this rule can lead to serious fines and citations for the business owner. Workers’ compensation insurance will then pay employees who sustain injuries, illnesses, or disabilities related to work.
In most situations, workers’ comp will pay for the employee’s harms regardless of who was at fault for the injury. Accepting workers’ compensation benefits precludes the employee from filing a lawsuit against the employer for injuries sustained. This can be a good thing, since it eliminates the need to go to court for compensation. However, it may be worthwhile to speak to an attorney about a potential claim against your employer before you decide to accept workers’ compensation. A personal injury claim based on negligence can result in greater compensation.
Workers’ compensation provides medical care and cash benefits when workers get hurt on the job. The list of injuries and illnesses workers’ compensation program covers is expansive, and includes almost every type of harm imaginable. Workers’ comp payments can cover medical only claims and also indemnity benefits, payments that attempt to restore the injured person to the same financial condition they were in before their injury. In 2014, injured employees in Georgia were paid over $1 billion in indemnity claims, while another $220 million was paid out in medical only claims.
Certain employers are exempt from having to carry this type of insurance. Those in agricultural employment, small employers (with fewer than three workers), domestic services, and casual labor firms do not need to provide workers’ comp coverage. In these cases, injured workers may have to pay for damages out of pocket or pursue personal injury lawsuits. Here’s an overview of available benefits through Georgia workers’ comp:
In accepting the applicable benefits for a workplace injury, an employee exchanges his or her right to bring any type of tort suit against the employer for damages. The employee can, however, file a lawsuit against a third party while receiving workers’ compensation benefits. Third parties may include coworkers, product manufacturers, and property owners who are not also the employer. Benefit amounts and time frames will vary depending on the extent of the injury and its impact on the worker’s life and career.
As an employee working in Georgia, you should learn the specific rules that govern the workers’ compensation system. Georgia’s Workers’ Compensation Law mandates dozens of rules that employers and employees must obey to fulfill the requirements of this insurance system. Obeying the rules is necessary to avoid hurting your chances of receiving compensation. Skipping a step or ignoring a provision of the law can result in the insurance company denying your claim. Some of these rules are as follows:
If an employee doesn’t receive benefits through workers’ compensation, he or she has one year from the date of the accident to file a claim. This process begins with Form WC-14, which requests claim information and any hearing or mediation issues. Filing this form can protect your right to compensation through the State Board. Your employer should be able to answer any questions you may have about the workers’ compensation filing process.
The U.S. Department of Labor keeps track of the number of workers’ compensation claims in every state. Georgia’s most recent report showed a total of 7,332 claims so far in 2017. These claims represent thousands of workers who have sustained minor to major injuries or illness while on the job in Georgia. Successful claims in the state have resulted in a total of $269,072,498 paid in compensation and medical bills by insurance companies in Georgia.
According to the Bureau of Labor Statistics, there were 2.9 million total nonfatal workplace injuries and illnesses around the country in 2015. The “production, transportation, and material moving” occupation group had the highest incident rate for injuries and illnesses that required the employee to miss days at work. The median for time missed at work for this occupation was 12 days. The second-highest rate went to “natural resources, construction, and maintenance,” with a median of 10 days away.
Transportation incidents were the most common fatal occupational injury event in 2015, with 2,054 total deaths. Slips & falls took second place, with 800 total deaths, followed by contact with objects/equipment, violence by persons or animals, exposure to harmful substances, and fires and explosions.
In Georgia, there were over 78,000 work related injuries and illness reported by private employers in 2015. On average for all industries, there were 3.1 incidents per 100 full time workers that caused an employee to miss any time at work.
Only three specific industries had a higher incident rate: natural resources and mining, education and health services and transportation and utilities. The lowest rates occur among workers in the information, professional services and financial activities sectors.
Workers’ compensation claims don’t always go smoothly for injured workers. The insurance company may try to deny the claim unfairly. Your employer may not carry an adequate insurance policy. You may need to file a lawsuit on top of a workers’ comp claim. For all of these reasons, consult with a workers’ compensation attorney in Atlanta.
An attorney can help you file your claim with the proper party, and increase your chances of success. A lawyer can also file a lawsuit against a third party on your behalf, if the circumstances permit. Talk to an attorney first, before you engage in lawsuits against your employer or a third party. Contact our team to speak with a knowledgeable workers’ comp professional today.