Let’s say, tragically, you’ve suffered an injury at work. Something has fallen, and out of all the improbabilities in the world, it has fallen on you. Now, you’ve seen a doctor, and the prognosis is not good. You’ve been told you may have a diminished earning capacity for the rest of your life. That’s awful enough, but now, you’re being forced to prove that fact, and your situation may take a legal turn. What do you do?
That situation may sound awfully hypothetical, but it applies to many people in America every year. Accidents can happen in any industry, even if it is more common in some. Do not just assume that you are safe because you work in an office. Slips and falls, falling objects, and other such accidents happen all the time, and though it might sound unrealistic, it is in fact very possible to slip and injure yourself in such a way you may not be able to work to your full potential again.
The key to navigating such a stressful and life-changing situation is two-fold: document everything and talk to a lawyer.
It is crucial when dealing with such an injury that you can prove first and foremost that it either occurred at work or was in some way the fault of your employer. The level of evidence for this can be steep should the insurance company press for it, so get as much documentation as you can as quickly as you can.
Even if your injury is not due to work but is still the fault of another party, the same point applies. If you can prove your case, you’ll not only be freed from medical bills and other immediate concerns, you’ll be in a better position to get compensation for your diminished earning capacity.
The second point is almost as important as the first. You will probably need a lawyer. Experienced lawyers will know how to navigate the laws and regulations in your area and be able to understand clearly exactly what is being asked of you by the insurance company in question. Such documents can often be intentionally convoluted. This is meant to confuse you and make sure you don’t comply with their demands. Having a lawyer present will take the stress of translating such documents off your shoulders.
It can also be helpful to find lawyers that already have some name recognition. This is not necessarily as easy as you might hope, but it can improve your situation by speeding up the process. Should the lawyers already have a proven record on such cases, the insurance company may be less interested in fighting the case and wasting more money.
If you follow these two pieces of advice—documenting everything and finding a lawyer—you are far more likely to find yourself taken care of and in a better financial position than you would otherwise, which can be a great relief after such a traumatic injury.