How To Be Prepared For A Workplace Injury
Most people go about their daily lives paying more than their fair share of attention to safety and security. They realise that they've got to maintain their capabilities in order to make a living and care for their families. Yet sometimes, accidents do happen, and due to the amount of time you spend at work on a typical day, you're probably at greater risk there. So you can be as prepared as possible, what do you need to bear in mind about your specific rights, should this happen?
Understanding the Law
Most Australians are covered by laws that have been specifically designed to protect them if they have been injured on the job. These worker's compensation laws are well written and tested, but that doesn't mean that you can sit back and let everything proceed to your full benefit. It goes without saying that prompt and efficient medical care is the first priority in these situations, but you also have to be ready to stand up in your corner, to fight your case with the government and insurance companies.
Expect a Dispute
Insurers are, of course, in the business of making money. While part of this type of operation involves paying out as well as taking in, they never do it without thoroughly investigating any claim. Be prepared for them to dispute the circumstances and to get the employer to give their side of the story, as well. If your case is potentially expensive, they'll put more effort into challenging it.
Don't Expect Pity
The people who work at insurance companies are human beings and you can expect them to be sympathetic to your cause, to a point. While your injuries may be significant and require a lot of attention going forward, you shouldn't expect "human nature" to take pity on you. This is the time for you to be as strong as possible and make sure that you have support in your corner, as well.
Watch for the Lowball
It's not unusual for an insurance company to "lowball" an offer to begin with to see if you will accept it. If they believe that you are hurting financially, they have more interest in trying to settle for as little as possible, in the belief that you will take what you can get. Never sign any papers until your workers compensation lawyer has seen them first.
If you happen to suffer from some type of pre-existing condition, you will need to provide the paperwork that relates to its former treatment. Otherwise, the insurance company may try and mitigate the situation by claiming that this condition is contributing to your current injury.
Fighting the Fight
Finally, understand that the insurance company has highly experienced and competent lawyers who will handle cases on a daily basis. It doesn't make any sense for you to try and go it alone and you need a similar amount of expertise on your side.