Injuries may sometimes strike at your place of work. If you've suffered an injury at your workplace, you may be eligible for workers' compensation insurance. But it can be a tad difficult following the right processes when you don't actually know what they are. Consider these factors when claiming for insurance after an injury at your workplace.
Give All Details but Avoid Making any Legal Statements
It's important that you provide all details of the injury to the on-call doctor but avoid making any legal statements to the investigator ahead of time. If you don't know what to do or say, your best option is to consult with a lawyer. When talking to the doctor, make sure you explain exactly what happened because accurate details will help them better address and provide the right medication for your injury recovery.
Understand the Importance of Making a Claim
Some injured employees think that making a claim will result in them getting a bad reputation or causing the employer to discriminate against them at a later stage through reduced work hours or even job loss. Australian law will protect employees and allow them to make a claim without worrying about employer discrimination. You can contact the Fair Work Ombudsman in case of any discriminatory practices by your employer. If you suffer an injury, you are entitled to claim compensation.
Make the Claim Quickly
When seeking compensation for an injury sustained at your workplace, it's vital to make the claim as quickly as possible. This allows you to report the incident when it is fresh in your mind while allowing the medical practitioner to make an informed assessment of your situation. In most instances, a third-party medical expert will inform the insurer of your condition, which will be in the form of a report for insurance purposes.
Consult with a Workers' Compensation Lawyer
Consulting with a professional lawyer is perhaps one of the smartest things to do because you will not know what you are entitled to on your own. For example, you may be able to make additional compensation claims like permanent income loss compensation, superannuation policy disablement benefits, and no-fault lump sums. There are plenty of additional benefits you may be able to claim for to help make your life easier when you're injured, which is why it is best to seek advice from a workers' compensation lawyer.
Making a workplace injury claim can be daunting. Take the time to consider these factors before claiming insurance.