Workers Compensation in Pittsburgh, PA

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 Pennsylvania 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 Pittsburgh, PA workers’ compensation insurance and how the process works.

Workers Compensation Statistics in Pittsburgh, Pennsylvania?

Over 152,400 recordable workers comp cases reached the U.S. Department of Labor Statistics in 2019 for Pennsylvania. While that’s an astounding number, local statistics for Pittsburgh don’t fare much better. Almost 254,000 people work in education and health services in the city, and around 4.1 out of every 100 experienced workplace injuries or illnesses. It’s sobering to learn that over 37,700 hard-workers for one major employer needed workers’ compensation coverage in 2019 alone.

How Does Workers Comp Work in Pittsburgh, Pennsylvania?

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. 

Whether you’re part-time or full-time, your employer in Pittsburgh must have workers’ compensation coverage. Only certain types of employees have exemptions from the law. Some examples include railroad employees, domestic workers, and longshoremen. If you make less than $627.77 per week, the Department of Labor & Industry pays up to 90% of your average salary each week. Those who make $810.76 to $1,621.50 receive up to ⅔ of their usual paycheck while unable to work.

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 Pittsburgh, PA 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 Pittsburgh, PA 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.

Employees in Pittsburgh have a total of three years to file for workers’ compensation insurance. While that’s the statute of limitations, you’re obligated to notify your supervisor of any incident within three weeks. However, it is best to do this as soon as possible. From that point, your employer has to file a First Report of Injury with the Department of Labor & Industry. You or your employer may need to provide more information at a later date.

Timeline and Other Information

The insurer involved with your case has 60 days to accept or deny your claim. Afterward, you will have to wait seven days before payments or other workers’ compensation benefits begin. That time gets reimbursed if your illness or injury lasts longer than two weeks. If necessary, you can collect payments and coverage for almost ten years in Pittsburgh.

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 Pittsburgh, Pennsylvania Workers’ Compensation Lawyer

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

Work With an Experienced Local Lawyer In Pittsburgh, Pennsylvania

If you are hurt or contract an illness as a result of your job in Pittsburgh, PA 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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