Those who work around heavy equipment face many dangers if the machines malfunction or other problems occur. When mishaps happen, there may be a risk of suffering a serious injury based on the equipment involved. Those who are injured at work often sustain significant monetary damages along with their physical injuries. Colorado workers may need to turn to workers' compensation benefits at these difficult times.
One minute everything is going great, but then something happens. Perhaps the Colorado employee slips on a wet floor, trips on loose carpet or an object hits him or her. The end result is that the employee has been hurt. When this happens, workers' compensation insurance is usually available to take care of the employee.
When one suffers a work-related injury, there are many issues that need attention. Applying for workers' compensation and determining the severity of one's injury are at the forefront. When it comes to knowing how to apply for benefits, it is helpful for Colorado workers to understand the difference between impairment and permanent disability and how this agency differentiates between the two.
For most business owners, the safety and well-being of each employee is a top priority. On a daily basis, you will find that most employers are striving to improve job safety and offer programs that will educate their workers on the very best safety practices and how to handle an accident should one occur. Regardless of the amount of preparation a company has instilled, workplace accidents or related deaths are a fact of life and continue to rise. Colorado employees should be aware of any death benefits provided by their employer under workman's comp.
Many workers' compensation claims are approved in a relatively timely and orderly way. After a period of review, the insurance company approves the claim and issues its General Admission of Liability, and the injured worker gets medical and wage replacement benefits.
Picture yourself in this scenario:
During the holiday season, hundreds of stores throughout Colorado hire part-time workers. Many of those hired take these jobs to gain some extra cash, with the full understanding that their period of employment will be temporary.
In some workers' compensation cases, the insurance company will ask an injured worker to make a recorded statement. When this happens, it can spell trouble for the worker. It indicates that the insurance company may be trying to collect information with the aim of minimizing benefits or denying the claim altogether. At the same time, if you refuse to cooperate or display a truculent attitude, the insurer could cite that as a reason for refusing to pay your claim. What's an injured worker to do?
Although many employees know that they have rights after a workplace accident, many do not realize that they do not have to accept a workers' compensation package that is inadequate for their recovery. In other cases, employees may fear that challenging the initial benefits package offered by their employer's insurance carrier might jeopardize their job security.
Most workers perform their job duties in collaboration with others. So when a worker suffers an on-the-job injury, there is a strong probability that there is at least one witness who can verify the injured worker's story.