Injured on the Job? Contact Richard Schwartz & Associates Injury Lawyers,
P.A. to Seek Justice.
At Richard Schwartz & Associates, we are recognized as leaders in Mississippi
workers’ compensation litigation. We are known throughout the state
for routinely winning high settlements and verdicts on behalf of our clients,
and we’re ready to do the same for you.
While Mississippi law provides protection to workers hurt on the job, requiring
certain benefits be paid, many employees and their insurance companies
will attempt to reject your claim. Sometimes they will accept the claim
with the intention of underpaying. Our Jackson workers’ compensation
lawyers are here to make sure this doesn’t happen to you.
We can help you pursue compensation for the following:
- Medical bills
- Lost wages
- Mileage to and from doctors’ appointments
- If applicable, death benefits for the surviving next-of-kin
Understanding Mississippi's Workers' Compensation Laws
By law, you aren’t allowed to sue your employer directly if you are
injured on the job. Workers’ compensation insurance provides financial
relief for expenses related to a workplace injury. A common misconception
that many people have about workers’ compensation is that it pays
you for pain and suffering. However, this is not the case. Workers’
comp benefits are designed to pay you for short-term and long-term loss
of wage-earning abilities, as well as medical treatment.
If you were injured at work, and you are unable to continue working for
five days or longer, you will be able to receive compensation at the rate
of 66 2/3 of your regular rate of pay through workers' compensation benefits.
Even if you do not take a full five days off work, all your medical bills
will still be paid for.
Why Workers' Compensation Exists
Illnesses and injuries can happen in any profession. Although some industries
are riskier than others - with construction being the most hazardous -
an unexpected accident can leave workers and their families with steep
medical bills. Some victims cannot return to work. This is why workers'
compensation exists: to protect the financial security of accident victims.
In some situations, workers' compensation can be the difference between
crippling debt and financial stability.
Work-related injuries are more common in Mississippi than most people assume.
In fact, according to the United States Department of Labor, there were
close to 600 workers' compensation cases in this state in 2015 alone.
These cases paid out more than $17 million to injured workers. Workers'
compensation laws are complex, and recovering a fair payout is not always
a straightforward process. A seemingly minor oversight could lead to the
denial of your claim.
Who Can Receive Workers' Comp Benefits in Mississippi?
Mississippi workers' compensation laws cover almost every employed individual
in the state. However, there are certain exceptions. If an employer has
five or more regular employees, he or she must have workers' comp insurance
coverage. If the employer has fewer than five workers, then coverage is
not required, but the employer may provide it voluntarily.
Unless the employer has purchased coverage voluntarily, the following industries
are not covered:
- Farm labor;
- Non-profit fraternal organizations;
- Domestic labor;
- Religious organizations;
- And cultural organizations.
Federal workers' compensation statutes cover certain transportation and
maritime employees, as well as federal workers. As a result, they may
not be covered by Mississippi workers’ compensation laws. Also,
the law typically does not cover independent contractors. However, subcontractor
employees may have some protection.
Can I Choose My Own Doctor?
As an injured worker, you have the right to select your medical provider.
However, after making this choice, all referrals have to come from that
doctor. The law does not require that you visit a licensed medical doctor;
for example, you can visit a chiropractor and still be covered. As an
injured employee, you do not have to pay a deductible for treatment.
If you have questions about workers' compensation benefits, or if your
claim was denied, our workers' compensation lawyers in Jackson, MS may
be able to help. When you come to Richard Schwartz & Associates, we
can investigate your case and explain your options for recovering benefits.
What If I Was Injured by an Employee of Another Company?
If you are at work, and you are injured by an employee of another company,
you can file a separate third-party liability lawsuit. This allows you
to seek a settlement for pain and suffering, lost wages, emotional distress,
and other damages. Many people don’t realize that you can file a
workers’ compensation claim and a third-party liability lawsuit
at the same time; you can receive a settlement from your
personal injury case, as well as workers’ compensation benefits.
Legal Representation Is a Phone Call Away: (601) 869-0696
To date, we have represented thousands of injured workers, and we can put
our vast experience to good use for you. We will aggressively pursue justice
on your behalf and take the necessary steps to prove your injuries deserve
We have handled cases involving the following types of on-the-job injuries:
- Herniated or bulging disks
- Torn ligaments
- Severe burns
- Rotator cuff tears
- Broken bones
- Traumatic head injury
- Repetitive motion injuries
- Exposure to toxic chemicals
Should your company or its insurance provider refuse to pay you what you
deserve, we will take them to court. Even if we have to fight your case
all the way to the Supreme Court of Mississippi, we will do it.
Interested in a free case evaluation with one of our workers’ compensation
attorneys in Jackson? Contact us at (601) 869-0696 to arrange a free