When you go on a business trip, you are considered “on the clock” for the duration of the trip. So, when you suffer a work-related injury on a business trip, you may be entitled to workers’ compensation benefits.
However, you can expect the insurance company to push back. They may argue that your injuries are not considered work-related. When this happens, you may need a workers’ compensation lawyer at Bader Scott Injury Lawyers to help you get your workers’ compensation claim approved.
Workers’ Comp Laws in Georgia
Under Georgia workers’ compensation laws, employers with three or more employees must purchase workers’ compensation insurance coverage. This coverage must extend to every worker who is considered an employee: seasonal employees, part-time employees, and full-time employees.
Georgia law does not require employers to cover independent contractors who do not obtain a W-2. However, an independent contractor may still be eligible for workers’ compensation benefits if they purchased their own insurance protection coverage.
If your employer did not purchase workers’ compensation coverage as required by law and you suffered an on-the-job injury, you may have the right to file a personal injury lawsuit against them seeking restitution for your damages.
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Workers’ Comp for Business Trip Injuries
To qualify for workers’ compensation benefits, you need to show that you are an employee and that your injuries happened within the scope of your employment.
If you are on a business trip and suffer a work-related injury, you could be entitled to workers’ compensation benefits. Because the entire duration of your business trip should be work-related, any injuries during this time could be grounds for a workers’ compensation claim. For example, injuries included could result from:
- Physical assault
- Slips, trips, and falls
- Motor vehicle accidents
- Premises liability accidents
- Products liabilities
Types of Workers’ Comp Benefits
There are several types of benefits you could be entitled to when your claim for workers’ compensation benefits has been approved. Depending on the nature of the accident and the details of your claim, you or your family may be entitled to medical, vocational rehabilitation, disability, or death benefits.
When you qualify for workers’ compensation benefits, the insurance company will be required to cover all your work-related medical bills. This might include the cost of:
- Prescription medications
- Hospital bills
- Ambulance fees
- Physical or occupational therapy
- Mental health counseling
- Future medical expenses
Vocational Rehabilitation Benefits
In some cases, your work-related injuries may be so severe you are unable to continue working in your current industry. When this happens, you may need to obtain on-the-job training or education to find work in a new industry. Your employer’s workers’ compensation insurance provider should cover these costs.
Disability benefits may be available so you can recover a portion of your lost income while you are out of work and unable to earn a living. Generally, the compensation you can collect is two-thirds of your average weekly earnings.
You may continue collecting these benefits until you reach maximum medical improvement (MMI) or the maximum number of weeks allowable based on the type of injury. Your attorney can better explain how long you can continue collecting disability benefits after your claim has been approved.
Death benefits may be available if you are a surviving family member whose loved one passed away due to injuries sustained on a business trip. Death benefits can include coverage of the deceased’s funeral and burial expenses. In addition, some disability benefits for the surviving family members may also apply.
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Common Types of Business Trip Injuries
You could be injured during a business trip in countless ways. However, some common types of business trip injuries individuals seeking workers’ compensation benefits have endured include:
- Repetitive stress injuries
- Traumatic brain injuries (TBI)
- Broken bones and compound fractures
- Post-traumatic stress disorder (PTSD)
- Spinal cord injuries
- Head, neck, or back injuries
These are just a few examples seen in business trip workers’ compensation claims. If you suffered another type of injury not listed above, and your injury occurred during a business trip, you may still have the right to workers’ compensation benefits. You can explore your legal options further when you contact our office to discuss the details of your case.
Get Help From a Workers’ Comp Lawyer in Georgia
If you suffered work-related injuries on a business trip, you might have the right to workers’ compensation benefits. However, if you need help making the insurance company pay, you should seek the help of a lawyer.
We are here when you are ready to hold the insurance company accountable for its financial obligation. Reach out to a Georgia workers’ comp lawyer at Bader Scott Injury Lawyers for a no-cost, risk-free consultation.