Vermont Workers Compensation Lawyers help clients learn the benefits and limitations of this insurance program. The insurance is intended to help workers receive prompt payment for medical expenses, lost wages and any ongoing disability resulting from a work-related accident. It also prohibits employees from suing the employer after an accident, which is a significant advantage for businesses. Typically, this works in favor of both parties. However, there are certain limitations that must be understood when filing a claim.
One main restriction is that the injured person cannot claim monetary compensation for pain and suffering, whether physical or emotional. In a civil injury lawsuit, people sometimes do obtain compensation for those aspects. This relatively subjective factor is not covered under workers comp. Attorneys with a firm such as McVeigh Skiff LLP can provide more details on coverage included and not included.
In a few specific types of circumstances, the individual may be able to file a lawsuit against another person or organization after a work injury. For instance, if the injury was caused by defective equipment, Vermont Workers Compensation Lawyers may see good cause for a lawsuit against the manufacturer. If a delivery driver is hurt in an accident caused by another driver, that also can be reasonable cause for an injury lawsuit.
Employees also may wonder whether workers comp covers disability. The program equates payment of lost wages with temporary disability payments. If the person can return to work on a part-time basis, the program pays for the percentage of hours not worked each week. This often can be a beneficial situation for employees who are eager to get back to the job but still cannot put in 40 hours a week.
Permanent disability payments, if necessary, normally would be covered under Social Security. However, depending on the situation, the person may be provided with a settlement under workers comp. That settlement would address any permanent impairment resulting from the injury. The impairment coverage includes aspects such as amputations and permanent loss of function. The injured person also may be eligible for job training or placement services if he or she is unable to return to the type of work previously performed.