A Workers Comp Attorney Asbury Park Respects Discusses Workers’ Comp and Subcontractors
Working on a construction site is much riskier than working in most offices. The workers are exposed to a much higher level of risk while on the job site. Their bosses, general contractors, subcontractors, and even the owners on the project risk lawsuits and lost money because of circumstances that no one can predict.
In order to protect the company and its employees, subcontractors must obtain workers’ compensation insurance. This insurance is there to not only protect the subcontractors from litigation, but to offer benefits to employees who may be injured while on the job.
If you were injured on a job site and are having difficulty collecting workers’ compensation insurance benefits, contact an Asbury Park workers comp attorney at Rispoli & Borneo P.C. to discuss the next steps you need to take to receive the benefits to which you are entitled.
Workers’ compensation insurance benefits include:
- Expenses for medical care necessary from the construction site injury
- Disability benefits that will replace some of your lost wages
- Legal expenses necessary to obtain the benefits you rightly deserve
- Compensation for any long-term injuries
- Family members may receive compensation if the injury is fatal
There are certain conditions where workers’ compensation benefits will be denied. These include:
- Self-inflicted injuries
- Injuries that occur as a result of reckless or negligent behavior
- Injuries that occur when under the influence of alcohol or illegal drugs
- Injuries that happen outside the job
- Injuries not related to the job
- ‘Acts of God’ injuries with the exception of work in a high-risk environment where these occurrences are not uncommon
Other Benefits Subcontractors Receive as a Result of Having Workers’ Compensation Insurance:
- It allows the subcontractor to be able to afford workers comp attorney fees if it becomes necessary to go to litigation. Construction is a high litigation risk business and it is vital that the subcontractor stay current with their workers’ comp insurance
- It is a legal requirement for subcontractors to carry workers’ compensation insurance. If the subcontractor employes one or more employees, they are subject to the same liability specifications as larger companies
- Many general contractors will not work with subcontractors who are uninsured because of the added liability they bring to the project.
Other Considerations Regarding Workers’ Compensation Insurance
- An employee who is injured on the job cannot get workers’ compensation and then file a lawsuit against their employer
- A very small percentage of workers’ comp claims are fraudulent
- Workers’ comp can be applied for long-term injuries that are a result of repetitive work or constant exposure to harmful materials. These injuries or illnesses can occur long after the employee ceases to work for the company
If you were injured while working on a construction site for a subcontractor and you are having difficulty collecting workers’ compensation benefits, contact a workers comp attorney Asbury Park clients recommend at Rispoli & Borneo P.C. and they can investigate the injury and determine whether or not the subcontractor had the proper insurance. If not, they will work with you to seek the compensation due to you because of your accident. It is important to contact us as soon as you experience difficulty in your collection attempts.