Key Takeaways
- Most Indiana workers are covered by workers’ compensation, except railroad employees and independent contractors.
- Coverage includes both physical and mental injuries without needing to prove employer fault.
- Approved claims may provide wage replacement and payment for medical treatment.
- Employees have two years from the injury date to file a claim, with possible extensions for temporary disability.
- Hiring an attorney can simplify the claims process, letting you focus on recovery rather than negotiations with employers or insurers.
Depending on its severity, a work injury can be physically, emotionally, and financially devastating for an employee. Luckily, however, workers’ compensation laws cover nearly every worker for most injuries that occur while performing duties related to the scope of employment.
Below, our Indianapolis attorneys explain what workers’ compensation covers and how to file a claim.
Am I Covered by Workers’ Compensation?
If you have been injured on the job, chances are you will receive benefits under Indiana’s workers’ compensation laws. There are a few exceptions, including:
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Railroad employees
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Independent contractors
Most injuries are covered in Indiana, including physical and mental injuries. Indiana does not require you to prove that your injury was your employer’s fault.
If your claim is approved, you may receive benefits including:
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Wage replacement
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Medical treatment payment
How Long Do I Have to File a Workers’ Compensation Claim?
Under the Indiana Worker’s Compensation Act, you have two years from the date of injury to file an Application for Adjustment of Claim with the Indiana Work Comp Board. This time limit may be extended if you receive temporary total disability benefits.
Why Work with an Attorney to File a Workers’ Compensation Claim?
Although most workers are covered by workers’ compensation laws, it can be a long, difficult process to file a claim. You should not have to negotiate with your employer and insurance company when you need to focus on recovering from your injuries.
As such, it’s in your best interest to work with an experienced attorney on your workers’ compensation claim. Qualified attorneys know how to negotiate with insurance companies in order to get you the maximum possible compensation. Additionally, most personal injury attorneys (including ours here at Wagner Reese) work on a contingency fee basis, which means you do not pay any fees unless you recover compensation.
If you have been injured on the job, our Indianapolis attorneys can help you determine the best course of action and pursue the compensation you deserve.
Contact Wagner Reese at (888) 204-8440 to schedule a free consultation.
