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Common Workplace Accidents That Could Be Covered by Workers’ Comp in Georgia
You spend a lot of time at work, which means you may be frequently exposed to scenarios that could potentially result in work-related accidents. Whether you work in a warehouse, a factory or an office, accidents can happen anywhere, and often when you least expect them. Injuries like a slip and fall, machinery malfunction or repetitive stress injury can leave you facing physical, emotional and financial challenges.
If you’ve been injured on the job, you may be worried you’ll end up with mounting medical bills and lost wages from having to take time off to heal.
Fortunately, if you’ve been injured at work in Georgia, the state has a system in place to provide support and protection for injured workers: workers' compensation.
But like with everything insurance related, you may face some hurdles after filing a workers’ comp claim. Even if your employer offers workers’ comp, it can often be difficult to receive all the benefits you’re rightfully owed. In fact, it’s not uncommon for insurance companies to be more concerned with protecting their own interests instead of ensuring you receive a full recovery of the benefits to which you are rightfully entitled.
That's where a skilled workers' compensation lawyer can make a significant difference in the outcome of your claim.
What Is Workers' Compensation?
Workers' compensation is a state-regulated insurance program that provides benefits to employees who suffer work-related injuries or illnesses. The program aims to create a win-win situation for both workers and their employers:
- It ensures employees receive medical treatment, wage replacement and other necessary benefits
- It also protecting employers from costly lawsuits
Unlike personal injury claims, workers don’t need to prove negligence or wrongdoing in order to receive workers’ compensation. In fact, workers’ comp is a no-fault benefit, which means you’re entitled to benefits regardless of who’s at fault for your injuries.
Are Part-Time Employees Eligible for Workers’ Compensation Benefits in Georgia?
Yes, even part-time employees hurt on the job are entitled to workers’ compensation. In other words, Georgia’s workers' compensation laws don’t distinguish between full-time and part-time workers when it comes to coverage.
As long as you are an employee and your injury or illness arose out of and in the course of your employment, you’re likely eligible to receive workers' compensation benefits, regardless of how many hours you work.
Which Injuries Are Covered by Workers’ Compensation in Georgia?
Workers' compensation in Georgia generally covers a wide range of injuries or illnesses that result from accidents or conditions directly related to a worker’s job. Examples of covered injuries include:
- Traumatic injuries: These include fractures, sprains, strains, lacerations, burns and other injuries caused by falls, machinery accidents or other workplace incidents.
- Occupational diseases: Certain illnesses or diseases that develop over time due to workplace exposures or conditions, such as respiratory diseases, repetitive stress injuries hearing loss or certain cancers.
- Mental health conditions: If a mental health condition arises as a direct result of work-related trauma or stress, it may be covered under workers' compensation.
Which Injuries Are Not Covered by Workers’ Compensation in Georgia?
While workers' compensation in Georgia generally covers a wide range of work-related injuries and illnesses, not all injuries are automatically eligible for benefits.
There are certain situations where injuries only tangentially related to work may not be covered by workers' compensation. Below are a few examples:
- Injuries occurring outside of work: Workers' compensation typically covers injuries that happen within the scope of employment while you’re on the clock. If you sustain an injury while commuting to or from work, during your lunch break or while engaged in personal activities unrelated to work, you likely won’t receive the benefit.
- Self-inflicted injuries: If you intentionally injure yourself or engage in reckless behavior that leads to your injury, it may not be covered under workers' compensation – even if you were on the clock when the injury occurred. The system is designed to protect employees from work-related accidents, not those caused by personal choices or actions that weren’t in the scope of their employment.
- Injuries from horseplay or violation of company policies: If you're injured while horsing around or violating company policies or safety rules, your benefits will likely be denied. Employers have the right to deny claims when injuries result from misconduct or behavior that deviates from job responsibilities.
- Injuries resulting from intoxication or drug use: If your injury is a direct result of being under the influence of alcohol or illegal drugs at the time of the accident, workers' compensation benefits may be denied. Employers have the right to deny claims when intoxication or drug use contributed to the injury.
- Injuries from voluntary off-duty recreational activities: Injuries sustained during voluntary recreational activities, such as sports events or social gatherings organized by your employer outside of work hours, may not be covered by workers' compensation. These activities are considered separate from work-related duties.
When Should You Contact a Georgia Workers' Compensation Lawyer
While the workers' compensation system is intended to provide support to injured workers, navigating the claims process can sometimes be complex and challenging. It may be wise to seek the assistance of a workers' compensation lawyer in the following situations:
- Denial of benefits: If your workers' compensation claim is denied, a lawyer can help you understand your rights, gather additional evidence and appeal the decision.
- Disputes and delays: If there are disputes regarding the extent of your injuries, the adequacy of the benefits provided or if there are unreasonable delays in receiving benefits, a lawyer can advocate on your behalf and ensure your rights are protected.
- Third-party liability: If someone other than your employer or co-worker was responsible for your workplace injury, you may have grounds for a personal injury lawsuit against the responsible party. A workers' compensation lawyer can evaluate your case and guide you through the legal process. Having a valid third-party claim does not preclude a workers’ comp claim – both can be filed concurrently.
Consult an Atlanta Workers’ Comp Attorney Today
If you or a loved one has been injured in a workplace accident in Georgia, you have every right to seek the assistance of a skilled workers' compensation lawyer. The attorneys at the Law Office of Rickard, Drew and Nix are here to help.
Our decades of combined experience handling workers’ comp cases have given us a deep understanding of Georgia’s workers' compensation laws. We maintain a steadfast commitment to fighting for the rights of injured workers.
Call our Atlanta office today at (404) 588-1001 for a free consultation and let us navigate the legal complexities while you focus on your recovery.
