Cincinnati Workers’ Compensation Lawyers
Workers’ compensation is a form of insurance that protects employees when they sustain a work-related injury or illness. The laws governing how workers’ compensation is handled vary from state to state. Fortunately for workers in Ohio and in Kentucky, it is required for employers to offer workers’ compensation to most employees. If you have gotten sick or injured while doing your job, make sure that you receive the benefits that you need by hiring a workers compensation lawyer.
Workplace accidents and illness are not only devastating to your health but to your finances as well. When you must take time off work to recuperate, you’re left wondering how you’re going to pay your bills and provide for your family. If you need workers’ compensation benefits, but you’re not sure how to go about it, a skilled workers’ compensation lawyer can help you through the process and take some of the burdens from you as you recover.
The team at Lawrence & Associates Accident and Injury Lawyers, LLC understands how important workers’ compensation benefits are when your injuries prevent you from earning your normal income. By keeping you aware of your rights, fighting for the benefits that you need, and offering much-needed support along the way, our attorneys strive to help Cincinnati and Northern Kentucky workers and families through difficult times. Our lawyers have been serving the community for years and take pride in the outcomes that we have been able to achieve for the workers who keep our community strong. To discuss your case with an experienced workers’ compensation lawyer, call Lawrence & Associates Accident and Injury Lawyers, LLC at (513) 351-5997 or (859) 371-5997 today.
Do I Need a Workers’ Compensation Lawyer?
If your job has left you injured or sick, the financial impact could be devastating to you and your family. Even injuries with a relatively smooth recovery time can be costly in terms of initial treatment, ongoing medical expenses, and lost wages. For more severe injuries or long-term illnesses, the physical and financial impact can be exponentially more consequential. Workers’ compensation is in place to help workers get through these difficult times, and the assistance of a lawyer will ensure that workers have access to the benefits they need, including help with:
Getting through the initial phases of your medical treatment and rehabilitation can be complicated enough, and the prospect of applying for workers’ compensation can be an added burden. For this reason, many families may not get around to filing for workers’ compensation. A lawyer can help you by taking all of the steps needed to collect the benefits that you need to heal or cope with your condition. In addition to meeting specific deadlines, a workers’ compensation lawyer can fight for a more suitable settlement if your employer offers you an amount that isn’t commensurate with the financial burden that your condition has caused.
Why Hire Lawrence & Associates Accident and Injury Lawyers, LLC to Handle my Case?
The lawyers at Lawrence & Associates Accident and Injury Lawyers, LLC have experience helping people in a variety of challenging and potentially life-altering situations. With offices in Ohio and Kentucky, we’re able to fight for workers’ rights across state lines. No matter where our clients are located, our lawyers understand how devastating an injury can be to a worker’s earning potential and how challenging it is for families to reallocate funds to cover injury- or illness-related expenses.
Our legal team understands how hard it can be to reach out for help in the midst of difficult times. Workers in Cincinnati and Northern Kentucky are largely self-reliant, preferring to handle what they can independently. The team at Lawrence & Associates Accident and Injury Lawyers, LLC supports the self-reliance of Greater Cincinnati workers while supplying them with some added support so that they can return to their normal lives as soon as possible.
We work diligently to recover the benefits that workers need so that they don’t face serious financial struggles. Our workers’ compensation attorneys work on a contingency basis, which means that unless we can recover the benefits that you need, you don’t pay us. Seeking competent legal help shouldn’t be inaccessible when you’re already in dire financial straits, and with the team at Lawrence & Associates Accident and Injury Lawyers, LLC, it’s not.
Workers’ Compensation Cases We Handle
The team at Lawrence & Associates Accident and Injury Lawyers, LLC has offered support to many people seeking assistance with workers’ compensation over the years. Our experience has given us the ability to hone in on our clients’ needs based on their unique situation. A factor that remains of utmost importance when filing for workers’ compensation in Ohio is determining the type of coverage your employer has. Regarding workers’ compensation, employers in Ohio are either:
- Self-insured —These employers will pay benefits directly to employees who are granted workers’ compensation benefits.
- State-fund — State-fund employers pay regular insurance premiums to the Ohio Bureau of Workers’ Compensation. When a claim is filed, the payment comes from the BWC rather than directly from the employer.
- Private Insurance Carrier — In Kentucky, most employers purchase private workers’ compensation insurance on the open market. Making a claim with these carriers is more like making a claim with the automobile insurance of a negligent driver. They represent the other side in the injury, and generally act accordingly.
If you aren’t sure whether your employer participates in state-fund or self-insured workers’ compensation, ask. Your employer will also be able to tell you about the steps you should take following a workplace injury regarding reporting your injury and seeking the medical services that you need. Make sure you collect the necessary information from your human resources department and follow the specific procedures. Your workers’ compensation benefits, depending on your specific injury or illness will cover the following:
- Medical Costs — This often includes emergency care, doctors’ appointments, ongoing treatment, and prescriptions.
- Lost Wages — Depending on the severity of your condition, the amount of compensation provided by workers’ compensation will differ. Your injury or illness will be classified as either permanent partial disability, temporary total disability, or permanent total disability.
Based on your condition, a lawyer can make sure that you are offered an amount that is fair and helpful for your situation.
Ohio Workers’ Compensation Statistics
Many Ohio employees enjoy dependable employment in industries that include environmental technology, aerospace, agriculture, bioscience, distribution and supply chain management, logistics, and manufacturing. Though these industries provide people with reliable jobs, no occupation is without its risks. The following private sectors have the highest recorded rate of workplace incidents per year in Ohio (reported as incidents per 100 full-time employees):
- Health Care — 4 incidents
- Agriculture — 3.8 incidents
- Manufacturing — 3.5 incidents
- Transportation — 3.4 incidents
- Construction — 3.2 incidents
- Wholesale — 2.9 incidents
Over the last three years, the Ohio Bureau of Workers Compensation has reported the following as total claims filed per year:
- 2016 — 99,082 claims
- 2017 — 97,931 claims
- 2018 — 97,185 claims
Some common workplace injuries are caused by repetitive motion, exposure to unsafe chemicals, trip and fall accidents, muscle strain, collisions, and broken bones. The injuries experienced by workers will vary widely depending on their industry. No matter the situation, a lawyer help injured workers pursue the benefits they need.
Frequently Asked Questions
If you can’t work as a result of an accident- or illness-related workplace issue, Lawrence & Associates Accident and Injury Lawyers, LLC can help you. We have provided some answers to some frequently asked questions below and are available to discuss your case when you call us at (513) 351-5997.
If you are filing an Ohio Workers’ Compensation claim, and if your employer has state-fund workers’ comp coverage, you are permitted to see any doctor you want for your first medical visit. After the first visit, you must choose from a list of BWC-certified doctors for any follow-up or ongoing care for your condition. If you choose not to be treated by a BWC-certified doctor, your benefits may not cover the cost of your medical expenses. If your employer is self-insured, discuss their requirements for the medical care that is covered under their workers’ compensation plan.
If you are filing a Kentucky Workers’ Compensation claim, most doctors will be acceptable to your Workers’ Compensation plan so long as the doctor is reasonably close to your home or work. The best thing you can do is call the doctor’s office ahead of the appointment, give them your Workers’ Compensation claim number and the adjuster’s phone number, and ask them to get pre-approval for the appointment.
Following a workplace injury, get the medical attention that you need and report your injury to your employer promptly. Be clear with your medical provider about your situation and tell them about your MCO if your employer has state-fund workers’ compensation benefits, or give them the name of the adjuster and the claim number if your employer has privately funded benefits. If your doctor prescribes medication, tell your pharmacist that the medication is related to a Kentucky or Ohio workers’ compensation claim.
Make sure that a workers’ compensation claim with your MCO or private carrier is filed, which you, your doctor, or your employer can do and it is generally best to seek advice from an attorney before filing. In Ohio, if your doctor files your claim, it must be submitted within 24 hours of your treatment. In addition to immediate medical care, reach out to a lawyer to make sure that you are receiving the care and benefits that your situation calls for.
Contact a Cincinnati-basaed Workers’ Compensation Lawyer Today
Seeking legal help in the aftermath of a serious workplace incident might seem complicated, but it often eases the burden for employees and their families. The Cincinnati team at Lawrence & Associates Accident and Injury Lawyers, LLC is committed to making the workers’ compensation benefits process as straightforward as possible. We use our legal experience to offer support to families facing physical and financial hardships. To discuss your situation with a member of our skilled team, reach out to us today at (513) 351-5997 to schedule a free case evaluation.