Insureon Blog

Do I Need a Workers’ Compensation Lawyer?

3. June 2014 08:25

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For the past few weeks, we’ve been discussing Workers’ Compensation Insurance, the policy that compensates employees for their occupational injuries and diseases. Our post “How Do I File a Workers’ Comp Claim?” navigated you through the meticulous process of responding to a workplace accident.

Now you may be wondering whether or not you need a Workers’ Compensation lawyer to protect your business’s interests throughout the claims process. After all, there is a lot of money at stake and several entities – including insurance providers, medical practitioners, your employee, and the state’s Workers’ Comp board – are involved in a single claim.

The good news is that small-business owners rarely need to hire a lawyer for Workers’ Compensation claims because claims rarely turn into lawsuits. Usually, your injured employee is simply exercising their right to compensation, and your insurance provider will decide whether they are eligible for benefits.

However, it’s not uncommon for employees to hire Workers’ Compensation lawyers to help them through the claims process. And, of course, claims don’t always unfold so smoothly.

What Does a Workers’ Compensation Lawyer Do?

Employees may hire a lawyer when filing a claim for Workers’ Compensation Insurance benefits. As we discussed in our post “How Do I Handle a Workers’ Comp Claim?” this action is not usually necessary, but an employee may feel more comfortable doing so if…

Speaking openly to employees about their Workers’ Compensation benefits may reduce the likelihood that they will involve lawyers in a claim. But even if they do, filing for Workers’ Comp benefits is much different than negotiating a settlement, defending a person in court, and other areas of a lawyer’s expertise. Workers’ Compensation lawyers help employees…

Lawyers can also advise employees after your insurance provider decides whether or not to grant the employee benefits. If the claim is denied or the payout is unsatisfactory, the employee’s lawyer may encourage them to appeal the decision. In this case, you might need a lawyer of your own.

When Do Small-Business Owners Need a Workers’ Comp Lawyer?

Despite the fact that the majority of Workers’ Compensation Insurance claims can be resolved without the help of an attorney, there are a couple instances when small-business owners benefit from legal counsel:

This post is part of an ongoing series on Workers’ Compensation Insurance and the high cost of occupational injuries. Stay tuned for more on how to handle work injury claims, adhere to state Workers’ Comp laws, and find affordable coverage!

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Lawyers | Small Business | Small Business Risk Management | Tips for All Small Businesses | Workers' Compensation Insurance

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