Even if your workers' compensation insurance claims adjuster seems helpful and nice, you may want an attorney who is focused on workers compensation claims to help you get all of your benefits. It is important to understand that the insurance carrier makes money by collecting premiums from employers and paying out less than it has collected. Therefore, the insurance company has a financial interest in reducing the amount paid on your claim. It is the job of an insurance adjuster to "adjust" the amount of compensation or benefits that they pay to you.
Insurance rates are set based upon the risk of the jobs that are being performed. Riskier jobs have higher insurance premiums associated with them. If the insurance company can reduce the payment made on these high-risk jobs, they stand to make even more money.
An insurance adjuster may not inform you of all of the benefits that you are entitled to receive. For example, you may be receiving only partial payments if you suffered a specific loss but have not been compensated for that specific loss. Or if you have been paying out of pocket for your transportation to and from treatment, you may be entitled to a reimbursement for that out of pocket expense. In addition, when it comes time to settle a workers compensation claim, you may have a right to negotiate the amount, rather than simply accept the amount you are offered.
In order to determine if you have received 100% of the benefits you are entitled to, we urge you to consult a workers compensation attorney for free advice.
