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What Is Injury Compensation?

Compensation for injury is money that is paid to help injured people pay for losses stemming from their work-related injuries. These losses include medical expenses, lost wages, future income, and loss of enjoyment of life.

There are two ways to obtain this kind of money--a settlement or a lawsuit. A lawyer will review your case and advise you on which option is best for you.

Medical Treatment

Medical treatment is an essential part of your injury claim. The insurance company will pay for reasonable and essential medical treatment. This includes medical bills for health care providers and specialists. You can also get reimbursed for prescriptions and over-the counter medications while traveling to and from medical appointments.

Depending on the nature of your injury you may require assistive equipment such as canes, wheelchairs or special clothing. It is also possible to recover expenses for home modifications, injured such as stair lifts and ramps. Medical expenses cover the cost of diagnostic tests that are essential to determine the severity of your injuries and track your recovery. You can also claim the cost of surgery that is necessary to treat your injuries. The workers' compensation board provides guidelines for medical treatment for doctors to follow. These guidelines permit your doctor to provide most of your treatment, without requiring insurance approval.

Following the advice of your doctor can be extremely beneficial in your case. If the defendant or insurer finds that you've been skipping appointments and playing tennis at weekends despite alleged injuries, they may argue that your injuries aren't as serious as you claim. If you're always seeing health care professionals and receiving massive medical care and treatment, they might have to admit that your injuries were serious.

Lost Wages

Injuries are not only physically painful, but they can also be financially devastating as well. Expenses associated with treatment often grow quickly, and injury lawyers victims are also faced with losing wages while recovering from their injuries. If you've missed work because of an injury, you may be eligible for compensation.

Proving that you lost wages is a lengthy and complicated process that requires specific documentation. In addition to medical explanations, it's important to leverage copies of your old pay stubs, as well as tax documents. Your attorney can utilize these to substantiate the amount of income you've lost as a result of your accident.

The lost wages could include your normal hourly earnings or salary, potential overtime, bonuses, commissions, and more. You can also include benefits you no more receive, like free meals or car allowances.

You are also entitled to compensation for days you've had to take vacation or sick leave to cover the time you've missed due to your injuries. Your lawyer can estimate the fair market value of these days and then demand reimbursement from those accountable. If your injury is permanent your lawyer can also seek compensation for future earnings potential. This is a more complicated procedure that requires hiring an accountant or forensic accountant to demonstrate your loss of earning potential.

Medical Expenses

Depending on the extent of your injuries, you may face a large medical bill that could put a strain on your financial health. Injuries that are serious can prevent you from earning income for a long amount of time, which puts a financial burden on you and your family.

You are entitled to reimbursement for any medical expenses relating to your condition, which includes ambulance rides, doctor's appointments or xrays, as well as hospital treatment. This includes supplies such as medications, orthopedic appliances. Additionally, you are entitled to reimbursement for transportation costs to and from medical appointments (including therapy). You must keep receipts for all medical expenses, since you will be reimbursed on the basis of actual expenses.

Insurance companies and attorneys typically make use of medical bills as a starting point to calculate damages specific to you. They then multiply that number by a factor of 1.5 to 5 to determine your general damages. In general minor injuries will be on the low end of this range, and serious or long-lasting injuries will be on the high end.

The Kocian Law Group has the expertise to ensure that you get the full amount of medical reimbursement you are entitled to. We will push for insurance companies to pay the full amount recommended by your healthcare providers even if they deny the necessity or fairness.

Pain and Suffering

The injured victim is entitled to compensation for physical and emotional pain. Physical pain and suffering damages may include past and future medical treatment. The psychological discomfort and ache, shame, shock, and sadness could also be considered.

It is difficult to put a price on the pain and stress caused by an accident, especially when it results in permanent injuries such as being in the wheelchair or blinded. However, it is vital for accident victims to be aided by an attorney to gather the right evidence to show their losses.

In some cases the party injured can negotiate a settlement to avoid a trial. In most cases an insurance company will be involved in an agreement to settle. The insurance company may use either the multiplier method or the per diem method to calculate the amount of pain and damages.

The multiplier and per diem techniques are utilized by courts to determine the compensation for the emotional and physical trauma suffered by accident victims. Both methods have advantages and disadvantages however, the final amount will be determined by the jury in the case. A skilled personal injury lawyer can assist injured victims of accidents gather the appropriate proof to make a strong claim for fair compensation. The experienced attorneys at Adam S. Kutner & Associates can assist you in the investigation and preparation of your case for court or settlement.