Are all employers required to carry workers’ compensation in Tennessee? | Tipton County Personal Injury Lawyer

workers' compensation man working

Due to workplace injuries or occupational diseases, individuals may not be able to work or earn a living due to the extent and severity of their damages. When this occurs, injured or sick workers may qualify for workers’ compensation benefits that may cover their medical bills, lost wages, or disability benefits. In most states, employers are required to carry workers’ compensation for their workers. In most states. employers are required to carry workers’ compensation based on how many employees they employ. If you have sustained an injury or gotten sick due to your job, contact a skilled Memphis Work Injury Lawyer who can help you investigate and gather evidence of the accident to prove you qualify for workers’ compensation benefits.

What is workers’ compensation?

Workers’ compensation is a special type of no-fault insurance coverage that provides workers who have been hurt or ill on the job with benefits. Getting hurt on the job can be extremely scary. This is because individuals do not know when they will be able to return to work due to the extent and severity of their injuries or illness. Therefore, they would not be able to earn a living and provide for themselves or any dependents. However, luckily, for workers, this type of insurance coverage can provide cash benefits for wage replacement, medical expenses, rehabilitation expenses, and disability. In Tennessee, employers with five or more employees (regardless of full-time or part-time status) must carry workers’ compensation insurance. Employers are responsible for purchasing this type of insurance. Employees do not have to contribute to it in anyway. When it comes to reporting their injuries, workers have a strict deadline they must meet in order to file a claim to receive this type of benefit. Workers should seek immediate medical attention and notify their employer of the accident or discovery of the illness. Employers are then responsible for notifying their insurance company.

What happens if a third-party is responsible for the cause of my workplace injury?

Unfortunately, sometimes, an individual may suffer catastrophic workplace injuries due to the negligence of a third party. When a third-party is responsible for a workplace injury, the worker may file what is known as a third-party claim. Third-party claims allow injured workers to obtain additional coverage if they can prove their injuries were a direct result of a third-party’s negligence.

Unfortunately, workplace injuries and occupational diseases may occur unexpectedly and negatively alter an individual’s life. In the unfortunate event that you or someone you love has become hurt or ill because of their job, reach out to one of our dedicated and determined team members. It is extremely crucial for workers to acquire the right legal representation. If you need assistance proving you qualify for workers’ compensation coverage in order to receive the necessary benefits, contact our firm today.