L and I Claims

L & I Claims:  Are You Covered if You’re Injured at Work?

Labor and Industry claims, which are often referred to as workers compensation claims, cover the medical expenses that arise from an injury at work. About two-thirds of all employees in Washington state are covered by L & I. The other third work for self-insured employers. What difference does that make for the injured employee?

For those employees that are covered under workers compensation or L & I, their medical bills will be paid for by workers compensation. If an employer is considered self-insured, then the employer is required to pay for medical bills.  However, there is a lot more to consider than just medical bills.

Know Your Rights Regarding L & I Claims

If you are injured on-the-job, the first thing you need to do is seek medical help. Once you are able, you’ll need to complete the injury report with your employer. Most employers have a policy in place regarding on-the-job injuries. Follow this policy. If your employer has a company doctor that they want you to see, then you should see them. If you aren’t happy with the treatment or care you receive, you can change physicians.

Your claim will be processed and you will receive information in the mail about your claim. This includes information on wage replacement benefits. If your claim is denied for some reason, then you will receive a letter detailing why that decision was made.

If your benefits are denied or if you have questions or concerns, it’s best to contact a personal injury attorney that specializes in L & I cases. If your employer is self-insured and you are severely injured, you or a member of your family should speak with an attorney as soon as possible about your options. You want to make sure you are taken care of financially, as well as with the proper medical treatment.

A Few Final Thoughts

You may be concerned about what happens if you are not able to return to work. A permanent disability resulting from your injury can affect your entire family. You have rights as an injured worker. These rights are afforded to you through a complex set of laws and regulations. An experienced attorney will be able to help you wade through the paperwork and the fine print.

For a free consultation on your case and circumstances, call me at (888) 714-6221.