If you’re not familiar with the term “Blue-collar”, it refers to manual labor jobs such as in construction, manufacturing, custodial work, mining, farming, maintenance, and warehousing to name a few. The occupational safety and health magazine, EHS Today, noted a study reporting that blue-collar workers expect that they’d be injured on their job; however, they also pointed out that these blue-collar workers have little idea or understanding about workers’ compensation — this leads to them being taken advantage of by their employees or insurance providers. As such, we’ll be talking about the steps you should take when injured while working in your blue-collar job:
Step One: Get Medical Attention
It sounds obvious, but hear us out. Some opportunistic employers or supervisors would often try to hide any injuries that occur on their watch, especially if it’s caused by unsafe work conditions or sheer negligence on their end. These people would tell you to take the day off or even bribe you not to report it to save themselves from trouble. You’ll want to insist getting medical attention by either bringing you to the on-site clinic, refer you to the company’s medical provider, or visit your doctor if you’re covered by the Federal Employees’ Compensation Act or FECA. You must acquire the paperwork and reports regarding your injury as you’ll be using it to claim your compensation.
Step Two: Report the Injury
You should report the injury to your employee orally or in writing as soon as possible — if you’re unable to do so due to your injuries, it’s best to either call them or have someone do so on your behalf. In Utah, you won’t be able to receive compensation for your injury if you don’t report your injury within 180 days of the incident. Delaying the report without any plausible or believable reasons would make employers and insurance company doubt that workers’ compensation fraud is involved. Once reported, your employer should have their injury report form, which should be sent to the workers’ compensation insurance carrier.
Step Three: Insurance Claim
You have to be wary that insurance carriers are very thorough and would try to find loopholes to save money which is why you should have all your paperwork in order when you’re claiming your insurance for the workplace injury. They’d be reviewing your medical records, work experience, evaluation report, and so on. If all goes well, then you’d be able to get compensation for your injuries, but if you’re denied from claiming your insurance, you can still apply for a hearing with the Labor Commission.
Extra Tips: Lawyer Up
Dealing with the compensation, insurance carriers, reports, and so on can be daunting, more so if you’re already injured. Which is why it’s best to ask the help of a law firm or attorney that specializes in workers’ compensation, more so if you end up suffering from long-term disability due to the injury. Never hesitate to get help from your law firm in Salt Lake City to help you with your injury and disability insurance claims.
Blue-collar workers need to know what to do when they’re injured on the job to safeguard their health as well as to avoid being taken advantage of by their employers or insurance companies to save money. So, if you’re ever injured, it’s vital for you to follow these steps and know that you can always find a trustworthy lawyer or attorney to help you out.