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What is Workers’ Compensation?
Workers’ compensation is an insurance program meant to provide monetary benefits to workers if they are injured or become ill as a result of performing their duties at a workplace. State law in Indiana and Illinois require that employers carry workers’ compensation insurance. When a worker is hurt or becomes ill, they are entitled to disability benefits provided by the employer’s workers’ compensation insurance.
Alvarez Law Office is a workers’ compensation law firm with offices in Crown Point and Hammond, IN. If you have been injured at work, it’s important to know your rights and speak to a knowledgeable attorney about your case.
Should You File a Personal Injury Lawsuit Instead?
Many of Alvarez Law Office’s clients assume that if they have been injured at work they are only entitled to workers’ compensation benefits. This is not always the case. In many cases, it is possible to bring a personal injury lawsuit against a third-party. The benefit of filing a lawsuit is that the injured or ill worker often receives more money. The disability payments provided by workers’ comp insurance are capped by the state, meaning the maximum amount of money an injured worker can receive in Indiana is $780 per week. Depending upon the severity of the injury, there may also a limit to the amount of time that the employer’s insurance has to pay the injured party.
When Should You Go Beyond Workers’ Comp?
Many different people, products, and equipment are involved in a normal workspace. Each of these parties are responsible for maintaining safe work conditions. If the manufacturer of a machine or piece of equipment used in the workplace was defective and caused the worker harm, the manufacturer is liable. The injured worker is entitled to sue the manufacturer outside of the score of his workers’ compensation benefits. For instance, in a recent case Alvarez Law Office won a $1,850,000.00 settlement when a construction employee was injured.
Defective machines and equipment on a work site aren’t the only reasons a worker could bring about a lawsuit against a third-party. If a worker becomes ill or injured as a result of exposure to toxic chemicals at the workplace, they are entitled to sue the manufacturer of the substance. For instance, if a worker sustained chemical burns on the job site, the worker may be able to sue the manufacturer of the toxic substance. In other cases, prolonged exposure over the course of many years to a dangerous chemical can cause illnesses such as cancer later in life. It’s especially important to contact an attorney in these instances. These cases are more complex and require legal expertise.
If you or a family member was injured at work or became ill as a result of the conditions at your workplace, talk with the lawyers at Alvarez Law Office. Our attorneys will discuss your options with you and help you get the best outcome based on your circumstances. You pay no fees unless we win. Schedule your free consultation today.