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Workmens Compensation Insurance FAQs
Workers' compensation is insurance provided by an employer to its employees. If you find yourself injured on the job, you may find yourself needing to make a claim. Let these frequently asked questions guide you:

Who pays for workers' compensation insurance?
Workers' compensation is paid for by the employer only. You do not pay monthly or annual premiums, and there should be no regular deductions from your paycheck. It is free to the employee.

What do I get from it?
If you are injured on the job, workers' compensation will provide you with medical benefits and wages. Depending on the state and type of insurance, your reimbursement for disability may vary.

What are some commonly covered injuries?
Commonly covered injuries are nearly anything that can be directly tied to your line of work. For example, cancer caused by asbestos work or broken limbs from a construction site accident.

What type of injury is not covered?
Not all injuries that happen at work are automatically covered. For example, a heart attack can't be clearly and unequivocally linked to a workplace. Additionally, horseplay or willful negligence on behalf of the employee may hinder any punitive damages.

How do I file a workers' compensation claim?
There are three basic steps in filing a claim for workers' compensation. First, report the incident immediately to a supervisor and seek emergency care if necessary. Next, seek a medical opinion on the extent of your injury. This may require you to see a doctor on a pre-approved list. And finally, if you miss time from work, submit a paid leave form to your human resources department.

Workers Compensation.com
Make sure you get the compensation you're entitled to with our local Portland area insurance firm. Providing all the assistance you need with your workmen's compensation insurance issues.
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10200 SW Greenburg Rd Ste 300, Portland, OR 97223
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While workers' compensation insurance is legally required by the federal government, that does not mean businesses are eager to pass out settlements. Getting a claim approved can be a long and stressful process. Hiring a lawyer can help ensure you are treated fairly by the company. To find the best lawyer for your situation, keep these questions in mind.

  • What will be their approach for your case?
    Every lawyer handles these situations differently. You should look for someone who understands you need things settled as quickly as possible, even if that means using a non-legal solution. Your attorney should care about you getting the benefits your policy entitles you to, such as a continued salary and medical assistance, as much as they care about their percentage of the defrayal.

  • Do they have experience with workers in your industry?
    While this shouldn’t be a deal-breaker, it can help if they have assisted people in the same business. They will already be familiar with the accidents that can occur, the safety measures should be in place to prevent such injuries, and the type of coverage you are eligible for.

  • Will they handle your case personally?
    Some lawyers do not do the legwork in their cases. By assigning the paperwork and research for your insurance claim to others in their agency, they will be unfamiliar with your situation. This can lead to mistakes and missed opportunities to get you the best settlement possible.

  • How long will it take to settle your case?
    When you are suffering from injuries that keeps you from living a normal life, every day counts. Choose an attorney that can make your workers' compensation suit a priority. The more time you have to wait to get the benefits you deserve from your company brings you that much closer to going under.



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