Imagine this: you're diligently working at your job in New Hampshire when an unexpected injury disrupts your life. Instead of focusing on recovery, you're burdened with medical bills, lost wages, and complex paperwork. The thought of receiving compensation for your injury is daunting, and you need to figure out the process and timeline.
How Can a Lawyer Provide the Support and Guidance I Need?
When you file a workers' compensation claim, you're essentially asking your employer's insurance company to pay for your medical bills and lost wages due to your injury. This is a standard process designed to protect both you and your employer. On paper, this seems simple, but the process can be complicated. A Lawyer can help you navigate the following issues:
A lawyer doesn't just fill out the forms required by the insurance company and the Department of Labor. They ensure the workers’ compensation insurance carrier pays what is owed to you. Lawyers are well-versed in the law and can push back if your employer or the insurance company tries to deny your claim or medical care, reduce your payment, or question the seriousness of your injury.
The Numbers: How Legal Representation Affects Settlements
Studies show that people who hire lawyers for their workers' comp claims usually end up with more money. For example, workers who get legal help tend to receive about 30% more in their settlements compared to those who don't have a lawyer. A WCRI (Workers Compensation Research Institute) study found that workers with attorneys also get 15-30% higher disability payments if they can't work for a while.
These numbers show that having a lawyer can increase your chances of getting the full amount you deserve—not just for your medical bills but also for your lost wages and any long-term care you might need.
Why Some Workers' Comp Cases Need a Lawyer
For example, you hurt your back, lifting something heavy at work. Your employer might argue that your injury isn't work-related or it’s a pre-existing injury. A lawyer can help you gather evidence, such as witness statements or medical records, to prove your injury is related to your job and make sure you get compensated.
In New Hampshire, workers' comp lawyers help when claims are denied or delayed. A study by ProPublica found that workers whose claims were initially denied but later got a lawyer were much more likely to win their case—and they usually received higher settlements.
Understanding New Hampshire Workers' Comp Laws
Every state has different workers' comp rules. In New Hampshire, workers have two years from the date of injury to file a claim. However, navigating the state's workers' comp system can be tricky, especially if your injury develops over time (like repetitive stress injuries from making the same motion over and over at work).
An experienced worker’s comp lawyer in New Hampshire's laws can ensure your claim is filed correctly and on time. Their experience with the Department of Labor and medical specialists can be a significant advantage in proving your case, empowering you with knowledge and control over your situation.
The Cost of Hiring a Lawyer—And Why It's Worth It
One of the main reasons people hesitate to hire a lawyer is cost. But most workers' comp attorneys don't charge upfront fees. Instead, they work on a contingency fee basis, which means they only get paid if you win your case. In New Hampshire, a lawyer's fee is usually 20% of the settlement amount, so you don't need to worry about paying them if you lose.
Even after paying your lawyer, studies show that you'll likely still receive more money than if you didn't have one. This is because lawyers can often secure higher settlements and ensure the insurance company doesn't shortchange you.
Final Thoughts: Protect Yourself
Experiencing a workplace injury can be a life-altering event. Seeking legal assistance for your workers' comp claim is not about demanding more than you deserve - it's about standing up for your rights and ensuring you receive the full compensation. Without legal help, many workers settle for inadequate offers from insurance companies or miss out on benefits they didn't even know they were eligible for.
If you're dealing with a workplace injury in New Hampshire, it's important to understand that you don't have to navigate the system alone. Consulting with a workers' comp lawyer can give you the best chance of recovering physically and financially.
Remember, seeking legal assistance is not about demanding more than you deserve- it's about standing up for your rights and ensuring you receive the maximum compensation you're entitled to.