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What Is Workers’ Compensation?

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What Is Workers’ Compensation?

Workers’ injury compensation is mandatory insurance that provides payment for medical care to employees who are injured at work or who develop an illness related to their work. Workers’ compensation covers both obvious physical injuries, such as a fall from a ladder, as well as injuries incurred over a long period of time, such as repetitive stress injuries like carpal tunnel syndrome and back problems. It also may cover lost wages as a result of a disability.workers comp

An employee can receive workers’ compensation benefits REGARDLESS of who is at fault (the employer, the employee, a coworker, a customer, etc.). In exchange for using this benefit, the injured employee gives up the right to sue his or her employer for negligence. Each state in the U.S. has its own laws and program specifics dealing with workers’ compensation. Many states also have a statute of limitations on workers’ compensation, which is a time limit within which the employee may file a claim for benefits.

History of Workers’ Compensation

Workers’ compensation laws were enacted in the U.S. to reduce the need for negligence lawsuits and to decrease the need for workers to prove in a court of law that their injuries were the fault of their employer. In 1902, Maryland was the first state to enact such laws. The first federal law was enacted not long after that, in 1906. By 1949, all states had some sort of work injury compensation program in place.

Who Pays for Workers’ Compensation Benefits?

In most states, employers must purchase workers’ compensation benefits for all their employees. Benefits are generally purchased from private insurance companies, although a few states have a state fund that covers work injury compensation payments.

Payments to injured employees are often a fixed amount based upon the type of injury, using a formula developed by the state. Payments may be made weekly (in place of wages), as a lump sum as compensation for past and future wages lost, as reimbursement or prepayment of medical expenses, or as benefits paid to dependents, if the employee is killed during employment. Unlike in personal injury lawsuits, workers’ compensation programs generally do NOT provide compensation for pain and suffering.

Injuries Not Covered by Work Injury Compensation

Most injuries that arise out of employment or that occur within the scope of employment are covered by workers’ compensation benefits. These discrepancies differ from from state to state.

An injury is usually NOT covered under workers’ compensation if it occurs as a result of:

• The employee is intoxicated and/or using illegal drugs.
• Self-inflicted injuries, including those caused by an employee who starts a fight.
• The employee committed a crime that resulted in injury.
• The employee violating company policy.

Workers Not Covered by Workers’ Compensation

Workers not covered by workers’ compensation programs also vary significantly from state to state. Some common exclusions include:

• A company in which the owner is the sole proprietor and only employee
• A company with only a few employees (less than 3 or 4)
• Independent contractors
• domestic employees in private homes
• Farmworkers
• Professional athletes
• Railroad employees
• Volunteer (unpaid) workers

Note that part-time and temporary employees ARE usually covered. In addition, federal employees are exempted from state workers’ compensation programs but receive benefits through the federal program. Finally, there are special rules that generally apply to law enforcement employees and firefighters.

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Caravan Accidents That May Occur During Your Vacation

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General information about caravan accidents that may occur during your vacation

Caravan Accidents

It is not so unlikely that you get involved in a vehicle accident while you are going on a vacation trip, as some interstates and highways get extremely busy, especially during the summer months. Auto crashes can occur on every corner as a result of speeding, internal mechanical or engine damage of cars, trucks and recreational vehicles or even simply because someone on the road got too nervous or too absent minded and lost control over the steering wheel.personal injury attorneys

What to do in case of an accident during your vacation?
If you accidentally get involved in such a misfortunate event and injure yourself through no fault of your own you must immediately find an attorney to defend your rights during the investigation and help you settle for a fair amount of compensation. No matter how skeptical you are towards requesting a legal advisor’s assistance, you may be surprised to find his advice very beneficial for the future improvement of your finances. A little initial investment on legal aid can eventually win you an amount high enough to cover not only your medical expenses and lost wages but also sufficient to secure your future for the next few years. An expert RV accident injury lawyer is what you need from the very beginning in order to get the amount you consider fair to make up for your pain and suffering during the vehicle accident recovery process.

How do RV accidents happen?

It is an interesting fact that state laws do not require special driving permits for the recreational vehicles like caravans and campers, despite they cannot maneuver so easy as other vehicles. The result is that the more inexperienced drivers that are not used to the size of that vehicle end up in accidents. Motor homes and campers driven by people unqualified to drive over-sized vehicles are more likely to end up in an accident situation than those operated by senior drivers experienced in maneuvering and keeping good balance on the road with recreational vehicles.

The hazards for a trip over of oversized-vehicles also depend on the type of RVs. Most of the accidents appear because of poorly balanced load or overloading, insufficient driver’s experience, runaway trailers, rollover caused by higher center of gravity, poorly calculated turns and driver fails to notice a vehicle in the RVs’ large blind spot.RV - Car Accident law

US official statistic data provided by The Federal Motor Carrier Safety Administration points that over 85,000 people annually get involved in Recreational Vehicle accidents and, unfortunately, for more than a thousand of the events turns out to be fatal. If you want to know how much is your case worth when involved in a crash due to the negligence of another you then need to consult a RV injury lawyer. There are plenty of personal injury expert attorneys but only a few of them had specialized in motor home and caravan accident cases.To obtain the best financial compensation for your pain and suffering you need to know who are the most reputed names in your area. Someone who has the skill and expertise to help you will become your best friend during the investigation and the medical recovery process.

Call our office today for a free initial consultation.

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Personal Injury And Workers’ Compensation Cases

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You’ve been injured in an accident or on the job: Do you know your rights? You may be able to receive compensation to help pay for your medical expenses and lost wages. You do not have to go through this alone. The Hackney Law Firm will be there every step of the way.

Guiding You Through The Insurance Claims Process
Our law firm is committed to helping victims of accidents find the best options for recovery. We know what you are going through and the challenges you face. Let us guide you through the legal process so you can focus on getting better.

Founding attorney J. Danny Hackney worked as an insurance claims adjuster for more than 20 years before starting this law firm. He understands the insurance industry and how claims are handled on the other side. This knowledge will help him evaluate every aspect of your claim so you can find the best possible outcome.

We Will Protect Your Interests
We will advocate for your interests and protect your rights from the minute you hire us. Do not try to work with the insurance company on your own. They are there to protect their own interests — not yours. The good news is that we are here for you and will work hard to get you the compensation you deserve.

Our law firm has extensive experience representing victims in Birmingham and throughout Alabama injured in auto accidents, work-related accidents, slip-and-fall cases and other insurance-related matters involving negligence.

We will help you explore your options and file a personal injury or workers’ compensation claim. We know this can be a confusing and often frustrating time. You can trust that we will always put your needs first, no matter what.

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