Getting injured on the job is a risk you take every day when you head through the doors of your workplace. Whether you work in an office, factor, or a labour job site, the potential for harm to you is present anywhere. As a result of this, work-related injuries can strike at any time, anywhere, which means you need to be prepared in the event that you are the victim of an accident at work and are injured because of this. The most important question that people have when they get injured at work is how to get compensated.
Compensation for your injuries can help you when you miss time at work, it can help cover medical bills, and it can provide the financial relief that is so desperately needed after an injury. This is one of the most important parts of the work-place injury claim process, so you have to know how to handle it. These tips will help you figure out what to do to get the compensation you deserve for your work-related injury so that you can get your life back.
Get Medical Care
First things first, and you probably did this, but you need to get medical care or evaluation post-injury. The reason for this is to make sure that you are healthy, but it is also to ensure that you have followed the procedure to report any possible injuries so that this is on record.
The need to collect evidence (more on this next) is important and your duty to receive medical attention to diagnose any injuries, like broken bones or concussions, is a necessity. Without any proof that you have injuries, then it will be very hard to make a case for why you need compensation. Even if your injuries are minor or unseen, you still need to immediately report your injury and then seek out that care.
The purpose of evidence in a work-related injury claim is two-fold. First, it helps bolster your claim with different accounts and information to help prove that the injury you sustained was in fact an accident and not an attempt at insurance fraud. Second, it is the duty of the company, their lawyers, and the insurance companies to try and find any evidence that does not corroborate you and your legal team's claim.
Many insurance companies task investigators with monitoring your personal social media pages for evidence that your disability claim is fraudulent, so it's important you keep your pages private or limit the amount of personal information you post online says Jeff Preszler, a personal injury attorney with Preszler Law. This evidence can come from social media, eyewitnesses, physical evidence like broken objects and all of it are important in verifying your claim and getting your compensation.
Hiring a Legal Team
Briefly mentioned in the previous section is some advice from legal experts. These professionals are a necessary step to take when it comes to receiving the compensation you deserve. They will fight for you to get what you need to help cover the costs of lost wages or hospital bills. Lawyers and legal teams are there for the most obvious reason, which is to help you navigate the legal terms and processes involved with insurance companies and employers, but they also provide other valuable services in this fight.
They can be there for you as emotional support while you try to get your life back together. Dealing with an injury in and of itself can be traumatic, something like a fall may make you apprehensive about working from heights in the future, so lawyers can help provide a friendly face. Navigating the case may involve some legal knowledge and understanding of the intricacies around the law and dealing with insurance companies which may be out of your skill level, so having an experienced team in your corner is a must.
Take the Case to Court
Even with a legal team on your side, it might be hard to get to a point where you are satisfied with the compensation you are being offered, or if you are being offered any at all. Sometimes this means taking the case to court. This is when a legal team comes in handy most and it is not uncommon for these claims to end up before a judge.
The insurance company or employer may be dragging their feet in hopes that you take whatever they offer you, which could be significantly less than a realistic offer. Many times the claim is settled out of court to avoid the trouble but sometimes cooler heads do not prevail and it is a matter of stubbornness. Receiving the compensation you deserve could result in a court date, which is something to consider if you are being treated unfairly.
Patience is a virtue, so know that you might be in for the long haul when trying to resolve your case. Work-related injuries are a common occurrence but sometimes snags happen in the process or you are going to be resolving it in court. The worst thing you could do is abandon the fight. The compensation you need could be the difference between being able to pay your bills and still live comfortably and struggling to recover or find work. It is not an ideal situation to be waiting on a compensatory offer, but sometimes you need to consider that you have to wait. Be patient, follow the tips, and you can remain calm and collected and finally get the financial compensation you deserve.
Work-related injuries are not an ideal situation for anyone and for multiple reasons. It could mean you are out of work for a few weeks, months or years, or it could result in you having a life-changing injury like paralyzation. These issues can leave you dejected and struggling, which is why you need to fight to receive compensation. Getting compensation is a challenge on its own, but this advice can allow you to regain your life, get you back on your feet financially, and ready to overcome your injury.
3 Min Read
"How did you ever get into a business like that?" people ask me. They're confounded to hear that my product is industrial baler wire—a very unfeminine pursuit, especially in 1975 when I founded my company in the midst of a machismo man's world. It's a long story, but I'll try to shorten it.
I'd never been interested to enter the "man's" world of business, but when I discovered a lucrative opportunity to become my own boss, I couldn't pass it up—even if it involved a non-glamorous product. I'd been fired from my previous job working to become a ladies' clothing buyer and was told at my dismissal, "You just aren't management or corporate material." My primary goal then was to find a career in which nobody had the power to fire me and that provided a comfortable living for my two little girls and myself.
Over the years, I've learned quite a few tough lessons about how to successfully run a business. Below are five essential elements to keep in mind, as well as my story on how I learned them.
Find A Need And Fill It
I gradually became successful at selling various products, which unfortunately weren't profitable enough to get me off the ground, so I asked people what they needed that they couldn't seem to get. One man said, "Honey, I need baler wire. Even the farmers can't get it." I saw happy dollar signs as he talked on and dedicated myself to figuring out the baler wire industry.
I'd never been interested to enter the "man's" world of business, but when I discovered a lucrative opportunity to become my own boss, I couldn't pass it up.
Now forty-five years later, I'm proud to be the founder of Vulcan Wire, Inc., an industrial baler wire company with $10 million of annual sales.
Have Working Capital And Credit
There were many pitfalls along the way to my eventual success. My daughters and I were subsisting from my unemployment checks, erratic alimony and child-support payments, and food stamps. I had no money stashed up to start up a business.
I paid for the first wire with a check for which I had no funds, an illegal act, but I thought it wouldn't matter as long as I made a deposit to cover the deficit before the bank received the check. My expectation was that I'd receive payment immediately upon delivery, for which I used a rented truck.
Little did I know that this Fortune 500 company's modus operandi was to pay all bills thirty or more days after receipts. My customer initially refused to pay on the spot. I told him I would consequently have to return the wire, so he reluctantly decided to call corporate headquarters for this unusual request.
My stomach was in knots the whole time he was gone, because he said it was iffy that corporate would come through. Fifty minutes later, however, he emerged with a check in hand, resentful of the time away from his busy schedule. Stressed, he told me to never again expect another C.O.D. and that any future sale must be on credit. Luckily, I made it to the bank with a few minutes to spare.
Know Your Product Thoroughly
I received a disheartening phone call shortly thereafter: my wire was breaking. This horrible news fueled the fire of my fears. Would I have to reimburse my customer? Would my vendor refuse to reimburse me?
My customer told me to come over and take samples of his good wire to see if I might duplicate it. I did that and educated myself on the necessary qualities.
My primary goal then was to find a career in which nobody had the power to fire me and that provided a comfortable living for my two little girls and myself.
Voila! I found another wire supplier that had the right specifications. By then, I was savvy enough to act as though they would naturally give me thirty-day terms. They did!
More good news: My customer merely threw away all the bad wire I'd sold him, and the new wire worked perfectly; he then gave me leads and a good endorsement. I rapidly gained more wire customers.
Anticipate The Dangers Of Exponential Growth
I had made a depressing discovery. My working capital was inadequate. After I purchased the wire, I had to wait ten to thirty days for a fabricator to get it reconfigured, which became a looming problem. It meant that to maintain a good credit standing, I had to pay for the wire ten to thirty days before my customers paid me.
I was successful on paper but was incredibly cash deprived. In other words, my exponentially growing business was about to implode due to too many sales. Eventually, my increasing sales grew at a slower rate, solving my cash flow problem.
Delegate From The Bottom Up
I learned how to delegate and eventually delegated myself out of the top jobs of CEO, President, CFO, and Vice President of Finance. Now, at seventy-eight years old, I've sold all but a third of Vulcan's stock and am semi-retired with my only job currently serving as Vice President of Stock and Consultant.
In the interim, I survived many obstacles and learned many other lessons, but hopefully these five will get you started and help prevent some of you from having the same struggles that I did. And in the end, I figured it all out, just like you will.