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What Is Injury Compensation? Injury compensation is the money paid to injured workers in order to compensate them for their losses as a result of accidents at work. These losses include medical expenses, lost wages, future income and loss of enjoyment of life. The money can be obtained in two ways: either through a settlement or by filing a lawsuit. A lawyer will review your case and tell you the best option for you. Medical Treatment Medical treatment is an essential part of your injury claim. The insurance company will cover reasonable and necessary medical treatment. This includes medical bills for health care providers and specialist. You can also get reimbursed for prescriptions and over-the counter medications while traveling to and from medical appointments. Depending on the nature of your injury you might require assistive devices like wheelchairs, canes or special clothes. It is also possible to recover expenses for home improvements, such as stair lifts and ramps. Medical expenses comprise the cost of diagnostic tests that are essential to determine the severity of your injuries and track your recovery. You can also claim reimbursement for any surgery needed to treat your injury. The workers' compensation board has guidelines on medical treatment for doctors to follow. These guidelines permit your medical professional to perform the majority of your medical procedures without having to ask the insurer for authorization. Continuously adhering to injury attorney redwood city of your doctor can significantly help your case. If the defendant or the insurer is aware that you've been avoiding appointments and playing tennis at weekends despite the fact that you've suffered injuries, they could claim that your injuries aren't as severe as you claim. On the other hand, if you're constantly seeing health care professionals and undergoing extensive medical treatments then they'll have to admit that your injuries are serious. Lost Wages Injuries aren't just physically painful, but they can also be financially damaging as well. The costs associated with treatment can quickly increase, and injured victims also need to consider losing earnings as they recover from their injuries. If you've missed work due to an injury, you could be entitled to compensation. Proving that you lost wages is a difficult procedure that requires specific documentation. In addition to medical narratives, it's important to leverage copies of your past pay stubs and tax documents. Your attorney can utilize these documents to prove the total amount of income that you've lost as a result of your injury. The lost wages could include your regular hourly or salaried income possible overtime bonuses, commissions, bonus payments and more. They can also include any benefits you're not receiving, like free meals, car allowances, or health benefits. You can also claim compensation for the days you didn't work because of your injury. This is because you were forced to take vacation or sick leave to cover the days. Your attorney can calculate the fair value of these days, and then demand payment from the responsible party. If your injury is irreparable the lawyer can seek compensation for lost earning capacity. This is a more complicated procedure that requires the hiring of an accountant or forensic accountant in order to demonstrate your loss of future earning potential. Medical Costs You could be facing large medical bills based on the severity of the injury. This can stress on your financial situation. The seriousness of your injuries could prevent you from earning income and working for a significant amount of time. This could result in a financial strain on you and your family members. You are entitled to reimbursement for medical expenses related to the incident such as ambulance rides, doctor visits and x-rays hospital treatment, medication, supplies and orthopedic devices. You are also entitled to reimbursement for travel expenses to and from medical appointments (including therapy). Keep receipts of any medical expenses. You will be reimbursed based on actual costs. For the purpose of negotiating attorneys and insurance companies will often use your billed amounts as a starting point to calculate medical special damages. They then multiply that number by a number of 1.5 to 5 to determine your general damages. Typically minor injuries will fall at the lower end of the spectrum while long-lasting or serious injuries will be on the higher end. The Kocian Law Group has the expertise to ensure that you receive the full amount of medical compensation that you are entitled to. We will push for insurance companies to pay the full amount suggested by your medical professionals, even if they dispute the necessity or fairness. Suffering and Pain The injured party has a right to be compensated for the emotional and physical pain and suffering that result from his or her injuries. The physical pain and may be caused by past and future medical treatments. Anxiety, stress or embarrassment, shock or sadness are also possible. It is difficult to place an amount on the pain and suffering caused by an accident, especially when permanent injuries are involved such as being in a wheelchair or being blinded. It is vital that victims have the support of an attorney in order to collect adequate evidence to demonstrate their loss. In some instances the party who was injured will settle the case without having to go to trial. In most instances, an insurance company is involved in a settlement agreement. The insurance company might employ a multiplier or per diem method to calculate pain and suffering damages. Both the multiplier and per diem methods are used by courts to determine compensation for the physical and emotional pain and suffering suffered by victims of accidents. Both methods have advantages and disadvantages however the final amount is decided by the jury in the case. A skilled personal injury lawyer will assist victims of accidents injured gather the necessary evidence to argue for fair compensation. The experienced lawyers at Adam S. Kutner & Associates can assist you with the investigation and preparation of your case for court or a settlement.