Employers in most states have a legal obligation to provide benefits to cover your medical bills, a portion of lost wages and other accident-related expenses if you have been injured on the job. However, in North Dakota, Ohio, Washington, and Wyoming, employers cannot purchase worker’s compensation coverage from private insurance carriers.
These 4 particular states are otherwise known as monopolistic worker’s compensation states. Businesses in the mentioned states must shop coverage from their state fund.
This stops businesses from window-shopping for the best premiums for coverage and purchasing employers liability coverage aside their worker’s compensation. That means that any gaps or holes must be covered by additional coverage.
At Pepper & Odom, P.C., our Mississippi workers’ compensation attorneys have years of experience handling all types of workers’ compensation cases and can help to ensure you get the maximum benefits to which you are entitled.
If you sustain an injury on the job, you need to seek medical attention and notify your supervisor, HR department or employer immediately. Your employer is then required to make a report of the injury and notify their insurance company and the Mississippi Workers’ Compensation Commission.
Worker’s compensation claims usually have a two-year statute of limitations in Mississippi, but it’s vital to report your injury within 30 days of the incident. Even if you don’t think your injuries are serious, failing to report them in a timely manner may stop you from being able to bring a claim to seek compensation.
There are exceptions, so it’s crucial to seek the counsel of a skilled worker’s comp lawyer who knows the ins and outs of the workers’ compensation process in Mississippi.
There are several different types of workers’ compensation benefits, including:
Each type of compensation is different–if you’ve suffered a catastrophic injury or your injury caused a permanent disability, you may have entitlement to lifelong medical benefits paid by your employer. If they try to award you a lump sum settlement, you may agree to end medical payments.
Our workers’ compensation attorneys in Mississippi and Alabama can determine which type of compensation is appropriate for your situation and help you understand your benefits so you can get the maximum amount of recovery for expenses. Other benefits may include travel expenses to and from medical treatment centers and death and funeral benefits, which are payable to the dependents of the deceased.
In some cases, you may be able to file a third-party lawsuit to recover damages for pain and suffering and other losses, particularly if a harmful or defective product is to blame for the cause of injury.
Unfortunately, many employers and their insurance companies try to avoid paying a fair settlement or will deny your workers’ comp claim altogether. Our Mississippi workers’ comp lawyers will fight to protect your interests and negotiate to ensure you receive the compensation to which is entitled to you.
If they reached a fair agreement, your attorney will seek final approval from the Mississippi Workers’ Compensation Commission. Usually, most cases settle with no need for a full hearing on the matter.
If you or loved one have suffered a workplace injury, our experienced Mississippi workers’ comp lawyers can help. Contact us online to schedule a free consultation, or call 601-202-1111. If you are unable to travel due to your injury, we can meet you at home or at the hospital for your convenience.