There is a saying: “Everybody hates lawyers—until they need one.” If you get hurt on the job, you need a competent workers’ compensation attorney. But why? The insurance company tells you they will “take good care of you,” and if you hire an attorney, “that will just take money from your settlement.” Don’t let them fool you. If you suffer an injury on the job, you need a competent New York workers’ compensation attorney to fight for your rights and get you a fair settlement check.
Imagine you’ve heard of football, but you don’t know any of the rules. Now imagine you’re suddenly on the field about to play the Cowboys, and you still don’t know the rules. Don’t worry, says Zeke Elliot, “I’ll make sure you know the rules.” Yeah right!
Okay, so the above scenario is a bit over the top. But it’s not much worse than trusting the insurance company to tell you what you should get out of your workers’ compensation claim. Who has the most to gain from your ignorance about your workers’ compensation rights? The insurance company. Duh! Why would you trust the one who benefits the most from your ignorance?
The opposite is true of your New York workers’ compensation attorney. The more money your attorney gets for you—the more your attorney makes, too. So unlike the insurance company, your attorney has the incentive to get you more money, not less.
To read our comprehensive New York Workers’ Compensation Guide, click here.
Okay. So, your attorney should know the rules. But can an attorney get you more money? Most of the time, the answer is yes. Here is why: If you have a workers’ compensation claim, the insurance company will, at some point, try to limit or stop your benefits. A competent attorney can (1) spot when the insurance company is taking advantage of you, and (2) put a stop to insurance company shenanigans.
Workers’ compensation is a highly specialized area of law. Even though workers’ compensation laws are statutory (based on written laws), those statutes have to get interpreted. The worker’s comp insurance companies always adopt the most conservative interpretation possible. They do that to save money. Your competent workers’ compensation lawyer will know how the courts interpret the statutes and how to get the most out of your claim.
Here are a couple of examples where the insurance company can take advantage of legal “interpretation”:
The above scenarios are the tip of the iceberg. Maybe the best way to “prove” you need an attorney is to list the many things that can go wrong with your claim:
The above should tell you why you need an attorney to protect your interests. A lot can go wrong with a workers’ compensation claim. These things will limit or eliminate your claim — the insurance company benefits when things go wrong. You don’t. Your competent workers’ compensation lawyer has seen all the tricks. He or she knows how to slap the hand of the insurance company to get you all you should.
But, don’t wait to talk to an attorney until one of these problems arises. It may be too late by then to undo the denial.
Click for the following from our New Workers’ Compensation Guidebook to learn how to find a good New York Workers’ Compensation Attorney:
If you don’t get anything else out of this article, get this—Don’t delay. Find a good lawyer now. Legal claims are not like fine wine. They don’t get better the longer they age. The best way to protect your rights is to start right now to find someone who knows the system and will work hard on your claim.
Click here to read our comprehensive New York Workers’ Compensation Guidebook.
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