What Is Injury Compensation?

Injuries compensation is the amount given to injured workers to cover their losses as a result of accidents at work. These losses could include medical bills loss of wages, future income as well as loss of enjoyment of life-changing damages.

You can get this money in two ways: through a settlement, or filing a lawsuit. A lawyer will review your case and advise you on which option is best for you.

Medical Treatment

The claim for your injury will include the cost of medical treatment. The insurance company will pay for reasonable and necessary medical treatments. This includes medical bills from health professionals and specialists. You may also be reimbursed for prescriptions and non-prescription medicines, while you travel to and from medical appointments.

Based on the severity of your injury, you might require assistive devices such as wheelchairs, canes or other special clothing. You may also be able to recover costs for home improvements, such as stair lifts and ramps. Medical expenses comprise the cost of diagnostic tests required to diagnose your injuries and monitor your recovery. You are also able to claim reimbursement for any procedure required to treat your injury. The workers' compensation board has medical treatment guidelines that doctors must adhere to. These guidelines permit your health care provider to perform the majority of your treatment without asking the insurance company for permission.

Following your physician's advice will significantly aid your case. If the defendant or insurance company notices that you've missed appointments or playing tennis on weekends despite your claim of injury, they will argue that your injuries are not as severe as you say. If you are constantly visiting healthcare professionals and receiving extensive medical treatment in the meantime, they might need to admit that your injuries were serious.

Lost Wages

Injuries aren't just physically painful, but can cause financial damage as well. Treatment costs can grow quickly, and victims of injuries must also cope with lost wages while recovering from their injuries. If you've been unable to work due to injury, you could be entitled compensation.

Proving the loss of wages is a lengthy and complicated procedure that requires specific documentation. It is important to have copies of your pay stubs from the past along with tax-related documents. These documents can be utilized by your lawyer to demonstrate the total amount of lost earnings due to your injury.

Your lost wages may include your regular hourly earnings or salary, possible overtime bonuses, commissions, and more. It could also include perks that you are not receiving, like free meals, car allowances or health benefits.

You are also entitled to compensation for days that you have had to use sick leave or vacation days to cover the time you've missed because of your injuries. Your lawyer can determine the fair value of these days, and then demand reimbursement from the responsible party. If your injury is irreparable the lawyer can seek compensation for lost future earning capacity. This is a more complex procedure that involves hiring a forensic accounting expert or actuary to prove the loss of your future earnings potential.

Medical Costs

Based on the severity of your injuries, you could be faced with high medical costs that can strain your financial health. The seriousness of your injuries may also hinder you from working and earning income for a long period of time, putting the financial burden on you and your family.

You are entitled to reimbursement for any medical expenses relating to your condition, which includes ambulance rides, doctor's visits, x-rays and hospital treatment. This includes the cost of supplies medication, medical supplies, and orthopedic devices. You may also be eligible for reimbursement for travel expenses to and from medical appointments, and also therapy. Keep receipts for all medical expenses. You will be reimbursed based on actual expenses.

To help negotiate attorneys and insurance companies typically use your invoiced amounts as a starting point to calculate medical special damages. They then multiply that amount by a number of 1.5 to 5 to determine your general damages. In general, minor injuries fall at the lower end of the range, while the more serious or prolonged ones will be at the top of the spectrum.

The Kocian Law Group is skilled in ensuring that you get all medical-related compensation to which you are entitled. We will fight for insurers to provide the full amount recommended by your health care professionals even if they do not agree with the necessity or reasonableness.

Suffering and Pain

The victim of an injury has the right to be compensated for the physical and emotional pain and suffering that result from his or her injuries. The physical pain and suffering may be caused by the treatment that was previously administered and any future ones. Mental anguish, discomfort or embarrassment, shock or sadness could also be considered.

It is difficult to put a cost on the pain and distress of an accident, particularly when it is a result of permanent injuries such as being confined to wheelchairs or blinded. But, it is essential that victims of accidents be aided by an attorney when it comes to gathering the necessary evidence to prove their losses.

In some cases the party who was injured may negotiate a settlement to avoid a trial. In the majority of cases the insurance company will be involved in a settlement agreement. The insurance company can use either the multiplier method or per diem to calculate pain and suffer damages.

Both the multiplier as well as per dia methods are used by courts to determine the amount of compensation for emotional and physical pain suffered by accident victims. Both methods have pros and injury attorney cons to them however the final amount is decided by the jury in the case. An experienced personal injury attorney will assist victims of accidents injured gather the appropriate proof to support a claim for fair compensation. The experienced lawyers at Adam S. Kutner & Associates can assist you with the investigation and preparation of your case for court or a settlement.