Workers Compensation in Little Rock, AR

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 Arkansas 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 Little Rock, AR workers’ compensation insurance and how the process works.

Workers Compensation Statistics in Little Rock, Arkansas?

The U.S. Bureau of Statistics published a report that says over 55,400 people in Little Rock work in education and health services. Unfortunately for these unsung heroes, 2019 data from the Department of Labor states that 3.3 out of every 100 experienced a job-related illness or injury. In addition, nursing and residential facilities employees suffered the highest rates of workplace injury in the state. If you live and work in Pulaski County, the chances are high that you or someone you know has needed workers’ compensation recently.

How Does Workers Comp Work in Little Rock, Arkansas?

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 law requires that your employer in Little Rock, AR carry a workers’ compensation policy after employing three or more people. A Commission’s Information Officer can answer more detailed questions about possible exemptions. After your claim gets a stamp of approval, you will receive up to 66% of your average salary in weekly payments. Your medical bills are also covered, but know your employer has the right to choose which doctor provides treatment.

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 Little Rock, AR 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 Little Rock, AR 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. All 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.

After discovering a work-related illness or injury in Little Rock, you must notify your employer within the next thirty days. At that point, an organization has ten days to file an Employer’s First Report of Injury or Illness with the state. If your first application receives a denial, submit a form or write a letter to request an appeal hearing. Within the next twenty days, an Administrative Law Judge (ALJ) will hear what the parties involved have to say and give a ruling.

Timeline and Other Information

After your claim is accepted, you must wait seven days before receiving payments or benefits. While a week without that pay may sound stressful, don’t worry too much. If you’re out of work for more than two weeks in Little Rock, AR, you will receive compensation for the time. The most anyone can receive in weekly benefits is $522 for up to 450 weeks. However, if your doctor believes your injuries will persist, consider applying for permanent disability.

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. Typically about the incident and to 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 Little Rock, Arkansas Workers’ Compensation Lawyer

While workers’ compensation claims may be straightforward for some cases in Little Rock, Arkansas, 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 Little Rock workers’ comp lawyer ensures that you have an advocate to fight for your rights as a victim.

Work With an Experienced Local Lawyer In Little Rock, Arkansas

If you are hurt or contract an illness as a result of your job in Little Rock, AR 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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