Workers Compensation in Jackson, MS

You aren’t alone if you ask “How does workers comp work?” Workers’ compensation is a type of insurance that provides wage and medical benefits to people who have become ill or injured while at work. The extent of workers’ comp coverage an employer is required to carry is governed by Mississippi state law. Thus, in trying to figure out how workers comp works, it helps to understand the laws on the books in the state where the business operates. If the injury or illness a worker sustains is eligible for compensation, the insurance carrier should help ease the financial burden the illness or injury created on the worker. Learn some of the basic principles of Jackson, Mississippi workers’ compensation insurance and how the process works.

Workers Compensation Statistics in Jackson, Mississippi?

According to The Mississippi Occupational Health and Safety Surveillance Report, the leading cause of serious work-related injuries are transportation accidents, slip and fall injuries, and exposure to harmful substances. You should note that Mississippi is a no fault workers’ compensation state. This means that if you have been injured in a work-related incident, you are entitled to benefits. Regardless of who is at fault.

How Does Workers Comp Work in Jackson, Mississippi?

Unfortunately, going through the process of applying for workers’ compensation begins with getting sick or injured on the job. The circumstances surrounding the incident that led to your problems are especially crucial. For example, the injury had to occur during your regular work duties. While an event that happens during your lunch break wouldn’t apply, getting into a car accident while running an errand for your boss would qualify for a claim. 

The Mississippi Workers’ Compensation Commission mandates that every business with 5 or more employees must carry workers’ compensation insurance. Agricultural workers, not for profit employees, and independent contractors can be exempt from this policy. Workers’ Compensation in Jackson, Mississippi entitles you to lost wages, disability benefits, and death benefits. You can also receive compensation for the medical care you receive. This includes hospital bills, prescriptions, and even prosthetic devices. Mental health is also covered in Mississippi, even if there is no accompanying physical injury.

For example, say your supervisor asked you to drop something off on your lunch break. While running this errand you then get in a car accident on your way to the destination. Any resulting injury is eligible for workers’ compensation. However, if you are on your lunch break, performing no such task when you get in an accident, it does not qualify for a claim.

The steps you take immediately following a workplace incident in Jackson, Mississippi are critical for purposes of filing a claim for compensation. Follow the following steps to preserve your rights and learn how workers comp works.

Get Medical Attention

After you get injured or feel ill, the first step is to see a doctor. Don’t delay seeking help from a Jackson, Mississippi healthcare professional. This could not only jeopardize your health, but you run the risk of missing time-sensitive deadlines in the workers’ compensation process. Having a proper medical report detailing the extent of the damage and how it occured is the first step in the process. Your employer cannot file a claim with their insurance carrier without this information.

When dealing with a job-related illness, the symptoms and diagnosis may not happen right away. You may find yourself attending regular checkups and testing for weeks or months before a doctor finally associates your illness with your job. Your doctor may make the determination that the illness is either the result of your work conditions or aggravated by them. Once they do, see your human resources representative to file a workers’ compensation claim.

File a First Report of Injury

The first report of an on the job injury or illness will provide the workers’ compensation insurance carrier with the details of the events leading up to the injury. In this report, you will provide your physical injuries, the medical treatment you received and the facilities that provided it. It’s always a good idea to bring a copy of the doctor’s report to submit with the report of injury.

According to The Mississippi State Bar, in order to receive the full benefits and compensation to which you are entitled, you must act in a timely manner. If you are injured or develop an occupational illness, you should report it to your employer immediately. This will establish the work-related nature of the injury or illness. Then, you should seek medical treatment as soon as possible. If the injury has resulted in an emergency, you should go to the hospital. If not, your employer will designate a doctor for you to see for treatment. Once you’ve had medical care, you should obtain 2 copies of the physician’s report if possible. 1 copy for your employer’s files, and 1 copy for your own.

Timeline and Other Information

An employer in Jackson, Mississippi has 10 days to file your injury report. Any employer who goes past this deadline may be subject to legal action. Once your claim is approved you can start receiving your workers’ compensation benefits. Total temporary disability benefits are capped at $477.82 per week. In addition, permanent or Total Disability is nearly 67% of your average weekly wage, for a maximum of 450 weeks.

Your employer should furnish you with information about the claims process. The adjuster or insurance carrier representative may want to speak to you at some point about the incident and any possible witnesses to the event. In the meantime, the workers’ comp insurer may begin paying medical benefits while the investigation into your claim continues.

Why You Should Hire a Jackson, Mississippi Workers’ Compensation Lawyer

While workers’ compensation claims may be straightforward for some cases in Jackson, Mississippi, in others, it may be more difficult. For example, your employer may decide to question whether you were hurt on the clock or your own time. It’s also common for a company to question the full extent of your injury. Hiring a Jackson, Mississippi workers’ comp lawyer ensures that you have an advocate to fight for your rights as a victim.

Work With an Experienced Local Lawyer In Jackson, Mississippi

If you are hurt or contract an illness as a result of your job in Jackson, Mississippi you need to find the right people to help. Since the workers’ compensation claims process can have pitfalls, you should consider getting a local attorney who knows how to avoid them. 

Submit a request online or call us today at (866) 345-6784 to get in touch with an experienced lawyer in your area!

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