Work Injury Attorneys Serving York & Harrisburg, PA Serving Harrisburg, York, Carlisle, Chambersburg, Mechanicsburg, Shippensburg & Surrounding Areas A work injury can be scary and can interfere with your ability to do your job. Often, these injuries not just have physical effects to you, but can have financial stress on your family. Unfortunately, these types of injuries are not rare. If you are injured on the job, the effects can be severe. You may face lost time at work, meaning lost wages to you and expensive medical bills may begin adding up. Under Pennsylvania law, if you sustain an injury at work, you have a right to file for workers’ compensation benefits. Whether you have a specific injury, such as lifting something or something falling on you, or a repetitive injury with progressed pain over time, there are important steps for you to take to protect your legal rights. Follow these steps: Immediately report your injury to your employer. You must report the injury within 21 days to be eligible for compensation from the date you were injured, or within 120 days in total, or your claim will be barred by law. Seek medical treatment. Go to the Hospital. Go to your family doctor. Go to the panel doctor. In other words, it is important you treat for your injury. Follow your doctor’s instruction and provide disability notes to your employer. Document your medical appointments and your communications with your employer. Finally contact us to ensure your rights are protected. They are too important to just brush off and hope for the best. Accepted Injuries You may be one of the lucky ones. You may get injured at work and your employer will choose to accept your injury and pay your wage loss benefits and medical benefits. That’s good news. So do you still need to discuss your case with an experienced workers’ compensation attorney? Simple answer — YES! Eventually, as you progress through your work injury, your employer’s workers compensation carrier may send you for what they call an ‘independent’ medical examination, or IME. These types of examination are usually a precursor for the insurance carrier to try and suspend or terminate your workers compensation benefits. Often, the IME doctor may provide lesser work restrictions than your treating doctor or may say you are fully recovered from your work injury, even through your doctor disagrees. Eventually, you will receive a Suspension or Termination Petition. In essence, the insurance carrier will try and return you to work before you and your treating doctor believe you are ready. If you receive any type of petition in the mail, it is imperative you contact Mooney & Associates right away so we can protect your benefits. If you receive a notice of an IME exam, call us right away because your benefits may be threatened. Denied Injuries In many cases, when you are hurt on the job, your employer will deny your injury. They will tell you your injury isn’t work related. They will tell you that you had a pre-existing condition. They will tell you there were no witnesses. They will tell you that your condition is degenerative and you should just see your family doctor. Too often, much too often, employees treat on their own and suffer at work in pain, fearing their job or accepting what their employer says. That is the wrong choice! If your employer tells you that your injury is denied or issues you a Notice of Compensation Denial, your next call should be to Mooney & Associates. You have a right to file a claim petition to fight for your benefits. We will file the Claim Petition on your behalf and fight to get you all the benefits you deserve under the law. Don’t just accept the word of your employer. Many times when you are injured at work, the employer accepts the injury as a medical only injury, meaning they will only pay for medical expenses, even though your injury causes you to miss work. Call us right away. Settling your Claim You have likely heard about the possibility of settling your workers’ compensation claim. It is important that you have all the facts about settlement and the effects settlement has on your rights. It is also important to determine if settling your workers’ compensation claim is right for you. If you meet one of the following criteria, settling your claim might be for you: You have been on workers’ compensation for 4 or more months. Your doctor has informed you that you will likely not be able to ever do your job again. You were laid off or terminated and are still on workers’ compensation. You are tired of the workers’ compensation hassle You are totally disabled and will not improve If you meet any of those criteria, we encourage you to call Mooney & Associates today to discuss if settlement is right for you. Settling a claim is complex. Insurance companies often seek to settle an ongoing claim, and they have their own interests in mind when they make such offers. Do not negotiate with an insurance carrier on your own. You will be short changed. As an injured worker, you need to know if it will be in your best interest to settle your case, and most importantly, obtain the maximum settlement amount. You need an attorney who understands how the settlements are calculated, and how to negotiate with insurance companies to get the most you deserve. There are pros and cons to entering into a lump-sum settlement. There are different types of lump-sum settlements. There may be Medicare implications, health insurance lien implications, and more complexities to your case. We can help. Contact us today so that you have an attorney on your side to help negotiate the dollar amount and terms of the settlement that are in YOUR best interest, not the insurance companies’ interest.