Richard Schwartz & Associates
Will Take Care of You & Your Claim
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: 601-988-8888
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 compensation.
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.