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No one wants to get hurt at work, but sometimes it happens. Slips and falls, being injured by large machinery, falls from a high place, vehicle accidents that happen while you’re on the clock, and even repetitive stress injuries like carpal tunnel syndrome – all of these may count as workplace injuries.
When this happens, you could have expensive medical bills. Worse, you may be unable to work temporarily or even permanently, leaving you in dire financial straits.
This is where workers’ compensation may come in. Workers’ comp is designed to solve several problems regarding workplace injuries.
The injured employee needs compensation for their medical costs and lost wages. The employer wants to avoid lengthy and costly lawsuits.
The employee may also want to avoid a lawsuit for multiple reasons: lawsuits take time, there are court costs, and proving their injury was the employer’s fault is sometimes difficult. And even if you win your lawsuit, it could take months, and during that time, you won’t be getting paid for your losses.
Workers’ compensation insurance provides an option where the employee can easily get compensated for their injuries while avoiding a situation where everyone has to spend time and money in court. However, it is not the right solution in every situation, and many workers are unsure how to proceed after suffering an injury.
If you’re in this situation, the best thing you can do is speak to a qualified workers’ compensation lawyer to better understand your options.
Ali Awad, the founder and managing attorney at The CEO Lawyer Personal Injury Law Firm, is an experienced workers’ compensation attorney. Also known as “The CEO Lawyer,” Mr. Awad started a new law firm and quickly grew it into an 8-figure firm in only three short years.
It was later voted the fastest-growing law firm in the United States, beating 499 others for the honor in 2021. When he’s not fighting for workers, The CEO Lawyer also finds time to offer legal advice to more than a million followers on social media.
If you or a loved one are dealing with a workplace injury and aren’t sure how to proceed, you have limited time to file a claim. There’s no time to lose – call Ali Awad for a free, no-obligation consultation of your case.
The CEO lawyer and his team work using a contingency basis – so they won’t get paid unless and until you do. There is no risk in calling (423) 777-8888 to talk about your situation and learn your options.
Here are some frequently asked questions and things you need to know about workers’ compensation:
Workers’ comp has two areas of coverage:
Not quite. Temporary disability benefits are typically ⅔ of the average wage you made for the prior 52 weeks before you were taken off duty.
So, if you just recently got a raise, you’ll be taking a big pay cut. Even if your income has remained steady for the past year, it will still be reduced by a third.
Temporary disability benefits come due on your eighth day of disability. If you are out of work for 14 days, your benefits should be backdated to the first day you were out of work.
There are also caps on how much you can earn per week and per year, which vary depending on the year in which you were injured.
If you are permanently disabled and unable to work due to your injury, you can file for permanent partial or total disability benefits. If approved, they will be paid at the same rate as temporary disability benefits.
In Tennessee, all employers with five or more employees are required to have workers’ comp insurance. All employers in the construction business or coal mining business with at least one employee should have workers’ comp unless they have been specifically exempted.
Most employers contract with an insurance carrier for this coverage, although they have the option to create their own fund and “self-insure” for workers’ comp.
If you are even considering making a workers’ compensation claim, you will need to report your injury to your employer within 15 days. We recommend reporting any injury as soon as you can.
This does not mean that you have to make a worker’s compensation claim or take any further steps, but it does create a record of your injury, so you have options. You should also see a doctor right away to learn the extent of your injuries and get treatment.
In Tennessee, you must see an authorized treating physician for your workplace injuries in order to have your expenses covered by workers’ compensation insurance. Your employer should provide a list of three doctors to choose from.
This is illegal, but it happens. If you believe you have been fired out of retaliation, you will need to document the reasons you suspect retaliation and speak with a workers’ compensation lawyer right away.
Unfortunately, because Tennessee is an “at-will” employment state, your employer can fire you for basically any reason other than federally protected statuses (discrimination) or retaliation. Often, an employer will claim they fired you for some reason other than retaliation, making their actions legal.
Whether or not you can prove them wrong depends entirely on the kind of evidence you have.
Your attorney can advise you on the likelihood that you can prove your case with the available evidence. They may also investigate further, talking to potential witnesses or considering other evidence.
We hear you. This can be a frustrating situation, especially for employees who are barely getting by at their full rate of pay.
This is the best you can do with a workers’ compensation claim (assuming your claim is approved). However, workers’ comp is not your only option.
Worker’s comp is usually a fast, easy option to receive some compensation for your injuries, but it is not the best solution in every situation. In some cases, you can sue your employer or seek compensation from their insurance company outside of the workers’ compensation system.
With a lawsuit, you can ask for damages for the full amount of both your medical bills and your lost wages. You will need to prove that your employer’s negligence was the cause of your injuries in this situation.
Keep in mind that once you accept a workers’ compensation claim, you will not be able to file a lawsuit against your employer. This is why we recommend speaking with a Tennessee workers’ compensation attorney before you make any decisions, for they can explain your options and answer any questions you have about your specific situation so you can make an informed decision.
Unfortunately, this is common. Often, the insurer will deny your claim because they do not believe your injury or illness was caused by your workplace.
In many cases, there is ample evidence that the injury was caused by the workplace, but the insurer is hoping you’ll accept their answer and leave them alone. If this happens, don’t get mad and argue with the insurance adjuster.
It is possible you may unintentionally make things worse. Instead, get a worker’s comp attorney who knows the right steps to prove your case and defend your rights.
Ali Awad, The CEO Lawyer, is a knowledgeable negotiator who can help you determine the best path forward after an injury or illness you suffered at work. With more than twenty years of experience, the CEO Lawyer Personal Injury Law Firm’s attorneys have a long and successful track record of more than 99%.
Tell Us More About Your Injury Below So That We Can Get You The Most Money
After a personal injury, you're bound to have legal questions. The CEO Lawyer Ali Awad can provide you with answers to these questions, just as he's given answers to his millions of curious social media followers. Take a look at some of the most common personal injury law questions for general information, and then reach out to one of our seasoned attorneys for specific guidance on your case!
To quickly resolve matters following an accident, insurance companies will offer you less than you deserve in compensation for your injuries. Many victims feel pressured to accept these offers as the bills begin to pile up, but that is rarely a good idea. The insurance company is looking to protect its bottom line; and will offer injured victims less than they deserve. An experienced personal injury attorney understands how to negotiate with the insurance company and can look out for your best interests by getting you the compensation you deserve after an injury. If you or a loved one has been injured in an accident, it is important to avoid negotiating or providing recorded statements to the insurance company without first seeking help from a qualified personal injury attorney.
The best way to determine if you have a personal injury case is to speak with a knowledgeable attorney. Our legal professionals have the expertise to evaluate your case and determine a strong legal strategy so that you can obtain the greatest amount of compensation possible under the law. We will enlist investigators, assistants, and other specialists to collect accident reports, speak with witnesses to your accident, and put together a plan. While you focus on your physical recovery, we will remain committed to fighting for the compensation that you deserve.
Accident victims have a limited time to file a personal injury lawsuit. This time period is referred to as the statute of limitations, and in Chattanooga, it lasts only one year. This means that if you or a loved one has been injured in an accident, you have only one year to pursue a personal injury suit. If you wait too long to reach out to an experienced attorney, you might be forever barred from seeking the compensation you deserve.
During your initial consultation with CEO Lawyer team, we will go over the important details of your personal injury accident, which include the nature and extent of your injuries, how your injuries have impacted your ability to earn a paycheck, the cost of your medical treatment, and whether further medical treatment will be required. We will answer any questions you might have, as well, in regards to our experience, our track record of success, and what to expect from the legal process. Many personal injury victims wonder if they will be able to afford the legal fees required to pursue a lawsuit. CEO Lawyer injury and accident attorneys will not ask for any type of upfront fee unless we are successful in obtaining compensation for you. That means that if you have been harmed in a motor vehicle accident, slip and fall accident, defective product accident, or any other type of personal injury accident, you can absolutely afford to contact our law office today for assistance. In fact, you cannot afford to wait. Reach out today. We understand that some accident victims might have already obtained the assistance of an attorney but may be dissatisfied with the services provided. We are standing by and prepared to help you change legal representation, regardless of where you are in the process.
If you or a loved one has been injured in any type of personal injury accident, you should not hesitate to speak with the experienced attorneys at CEO Lawyer personal injury law firm. Call, email, or fill out our online contact form today so that we can begin helping you pursue the compensation you deserve.