Employers must carry workers’ compensation insurance in order to provide benefits for their employees if they are injured on the job. Most people believe that receiving workers’ comp benefits is a relatively straightforward process after a workplace injury. Unfortunately, this is not always the case. Insurance companies have a lot of power. They also have a lot of money, and they do not like to part with it.
Facts About Workers Compensation
You do not have to be injured at work in order to qualify for workers compensation. As long as the injury you have was caused due to job-related factors, it is covered under your employer’s workers compensation insurance plan. For example, a worker would be covered if they were injured during work travel or while they were out of the office running work related errands.
Workers compensation typically covers all injuries that are caused while working, but there are certain exceptions. If an employee is under the influence of alcohol or drugs when they are injured, they are not able to apply for worker’s compensation coverage. Further, if injuries are due to a fight in the workplace or are self-inflicted, workers compensation will not provide coverage. If the injury happened due to an employee violating company policies, workers compensation will not provide coverage.
Workers compensation may provide coverage for long-term medical issues or illnesses. Employees may receive workers compensation for injuries that were caused due to long term overuse. Injuries that may occur due to long-term overuse include chronic back problems and stress fractures. Further, individuals may receive compensation for diseases or medical conditions that are the result of their work, including digestive problems caused by stress, lung disease, and heart conditions.
Not all employees are covered by workers compensation. It is the employer’s responsibility to provide worker’s compensation coverage if they have a certain number of employees. The type of work employees engage in also can affect whether or not they are covered by workers compensation. In addition, the type of business being run may also affect employee worker compensation coverage. In general, domestic employees (e.g., nannies, maids, etc.), seasonal workers, and farm workers don’t qualify for workers compensation coverage.
Why You Need a Denver Social Security Disability Attorney
The process of being approved for Social Security disability benefits can be a long and frustrating experience, especially for those who first file without the benefit of an attorney. While some disability claims are approved with the first application, this is rarely the case even when the medical condition is clearly included in the Social Security Administration Blue Book of previously approved medical conditions.
The truth is that almost all disability applicants are not approved without representation from an experienced Social Security attorney who understands the documentation required by the agency for a claim approval, and having an attorney can help the process advance more quickly in some cases.
Why Program Qualification Is Tricky
Many times, applicants are denied because they do not qualify for disability insurance benefits. What many people do not realize is that Social Security benefits are not based on disability, but rather on whether the medical condition is prohibitive with respect to earning substantive income.
Some people with certain medical conditions can still perform other types of job responsibilities. The government commonly denies claims based on the substantive employment guidelines, and an attorney can help demonstrate to the SSA that the applicant is indeed unable to work.
Those eligible for Social Security Disability Insurance must have worked 20 quarters within the past ten years. Others will be evaluated for eligibility for Supplemental Security Income managed at the state level, also known as SSI. This program is based on personal assets and approvals are reassessed annually. An attorney can help you determine whether you qualify and help you take the necessary next steps.
What an Attorney Can Do
An attorney is invaluable when a disability case is denied and must be approved through the appeals process, which is typical for most cases. This is why it is best to retain a Social Security attorney from the beginning. All information submitted from the beginning is part of the record and cannot be removed, and an attorney can even advise on how to answer questions on the original application. Mistakes can matter, and your attorney can also give advice on how to
answer questions throughout the appeals process.
Contact a Denver Social Security Attorney
While it is possible to file for disability without legal counsel, the results are rarely successful. To get the best results without as many roadblocks, Colorado residents filing for Social Security disability benefits should contact the legal professionals at Alverson & O’Brien Attorneys at Law for comprehensive representation.
We Know What To Expect From The Insurance Companies
At Alverson + O’Brien, we have firsthand knowledge of the variety of tactics that insurance companies use to deny and underpay legitimate workers’ compensation claims. Prior to representing claimants, we defended insurance companies involved in workers’ compensation cases. Now dedicated to helping injured people, we put this knowledge and experience to work for our clients daily.
We offer the following information for potential clients throughout Denver, CO, including Aurora, Lakewood, Thornton & Arvada who have suffered injuries at work:
- Workplace injuries
- Workers’ compensation benefits and rights
- Denied workers’ compensation claims
- Workers’ compensation FAQs
- What happens to my job?
- Why won’t the insurance company respond?
- What happens if the insurance company denies a surgery?
Whether you were injured in a car accident while driving for work, you are a temporary worker, you hurt your neck or back, slipped and fell, were injured at a construction site or you suffered any other type of workplace injury, you are entitled to workers’ compensation benefits, including medical and rehabilitation costs, and lost wages and compensation if your injuries cause permanent disability.
Representing Construction Workers, Nurses, White Collar Employees And Other Workers
At Alverson + O’Brien, we will be your advocates throughout the workers’ compensation claim process. We regularly represent construction workers, health care workers, including nurses, white collar employees and workers in many other industries throughout the Denver area.
Don’t Wait To Call A Lawyer
When an employee is injured at work, the employer and the insurance company are familiar with the process and the rules. The only person who doesn’t know what’s going on is the injured worker who also stands to lose the most during the process. Don’t wait to call an experienced Denver workers’ compensation attorney. If your claim gets denied, your options may be limited. There are strict deadlines and procedures that must be followed in order to obtain workers’ compensation benefits.
You may need to attend several workers’ compensation hearings. It is very important to have a lawyer at these hearings. More importantly, it is critical to hire an attorney with substantial courtroom experience. Our attorneys include a former prosecutor a former insurance defense attorney.
Additionally, if you are not satisfied with your doctor, you only have 90 days to request a new doctor or you will have to stay with your original doctor.
Contact Alverson + O’Brien in Denver Today
Let us help alleviate your burdens and avoid the many problems and setbacks that can arise in workers’ compensation cases. Call 720-381-3152 or contact us online to arrange a free initial consultation. We are located in Denver, but we service Aurora, Lakewood, Thornton, Arvada, Westminster, Centennial, Commerce City, Littleton, Wheat Ridge, Englewood, Fort Collins, Loveland, Denver County, Arapahoe County and across the Front Range.