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No matter what kind of job you have in San Diego, there is a possibility you will get injured on the job. Each year, workers in all occupations suffer injuries and illnesses. In many cases, these injuries and illnesses lead to catastrophic or even fatal consequences. If you are an injured worker, your employer and their workers’ compensation insurance company may make it hard to get the benefits you need and deserve.
But you don’t have to handle it all alone. If you choose to work with Gomez Trial Attorneys, our experienced San Diego workers’ compensation attorneys can protect your rights and help you navigate the red tape and hurdles associated with workers’ compensation claims.
Over the years, Gomez Trial Attorneys has collected more than $750 million in verdicts and settlements for our clients and has been nationally recognized. While past results cannot guarantee future wins, we put our experience and passion to work in every case we take on for the San Diego working community.
OSHA reports 3,409 fatal workplace accidents happened in one recent year, although this number may increase as OSHA concludes more accident investigations.
The Survey of Occupational Injuries & Illnesses in a recent year showed that in the United States, the total number of injuries per 100 full-time workers was the same as in past years, at 2.8. In California, there were 3.3 non-fatal workplace illnesses and injuries per 100 full-time workers, which is quite a bit higher than the national average. The Department of Industrial Relations (DIR) reports that 376 Californians died on the job in one recent year.
Workers’ compensation is an insurance policy that covers employees against medical and disability-related costs associated with these work-related injuries and illnesses. Workers have the right to receive workers’ compensation benefits no matter who was at fault for a workplace injury or illness. Employers pay for workers’ compensation insurance coverage and, in most cases, it is illegal for employers not to carry this insurance, to make workers pay for the insurance, or to make reprisals against workers who file for workers’ compensation benefits.
The California workers’ compensation insurance system has existed for more than 100 years. It provides medical and income replacement benefits to almost 800,000 injured workers annually.
Depending on the nature and extent of an injury or illness, benefits available to California workers may include:
Employees injured on the job in California generally don’t need to sue an employer directly. Instead, they seek recovery by filing worker’s compensation claims. Employees don’t need to prove liability, but cannot collect compensation for pain and suffering. They may need our help to sue the workers’ compensation company, however, for wrongfully delayed, denied, or reduced benefits.
In the following cases, employees may sue their employer for work-related injuries:
Typically, a worker who is eligible to receive workers’ compensation benefits cannot receive compensation for non-economic damages such as pain and suffering. However, in some cases, the worker may have an additional legal claim against a third party for causing a job-related injury or illness.
A third party is someone who is not the worker’s employer or coworker. Keep in mind that filing a third-party claim might affect workers’ compensation benefits, so you should consult a workers’ compensation attorney before attempting to do so.
Third parties who may be liable include:
In a recent year, the top ten private industry occupations with the largest number of work-related injuries and illnesses were:
Together, the top ten industries accounted for 37.4 percent of all work-related injuries and illnesses.
While some workplace injuries are particularly common, the issue is not only the type of injury, but also how the injury impacts your life and ability to earn a living. It is important to understand that these are not the only injuries for which compensation is available. Serious physical, cognitive, or spinal cord injuries are generally classified as catastrophic injuries. Catastrophic injuries may also include incurable and progressive diseases. These serious injuries and illnesses often require a lifetime of medical care.
The following are ten of the most common types of workplace injuries:
There are four common causes of worker deaths on construction sites. These are known as the “Fatal Four.” According to OSHA, the “Fatal Four” were responsible for more than half (58.6 percent) of construction worker deaths. They are falls (33.5 percent), being struck by an object (11.1 percent), electrocutions (8.5 percent), and being caught in or between heavy objects (55 percent).
In addition to the “Fatal Four,” OSHA lists the ten most frequently cited safety violations on construction sites.
These safety violations are to blame for a significant number of fatal and non-fatal workplace injuries every year:
The list below details the nature of injuries that had the highest average costs in 2016-2017:
Given the rapidly changing status of COVID-19, it may be confusing to know what employees are entitled to. On September 17, 2020, California Governor Gavin Newsom signed SB 1159, which provides two new “rebuttable presumptions” that COVID-19 is an occupational injury. Therefore, if a worker contracts COVID-19 and meets specified criteria, they qualify for workers’ compensation benefits. If ill employees can receive benefits, this may help to reduce the spread of the virus. The law also encourages employers to do everything possible to reduce the risk of exposure by following the local safety guidelines.
If you don’t qualify for a presumption under the new law, you may still receive workers’ compensation benefits if you contracted COVID-19 at work. The employee must satisfy the threshold requirements by establishing that the illness arose from their employment.
If you sustain injuries in a San Diego work-related accident, take the following steps:
No matter where you work, you may be injured or ill as a result of work-related duties. You may be scared or in pain. You also need medical care and financial assistance, and you probably have a lot of questions about workers’ compensation law. You’re not alone. The National Safety Council reports that a U.S. worker suffers a work-related injury every seven seconds. That’s 540 work injuries per hour and 12,900 work injuries per day.
A workers’ compensation lawyer can make sure that an injured worker receives all the benefits they deserve under the workers’ compensation law. You need an experienced San Diego workers’ compensation lawyer to protect your rights and guide you through the process. Gomez Trial Attorneys are here to help.
Worker’s compensation is sometimes called the “grand bargain.” The bargain is that, regardless of fault, the employee receives workers’ compensation benefits for work-related injuries or illness. In exchange, the employer is protected from lawsuits related to the injury or illness.
Each state is different, but in California, all employers are required to carry workers’ compensation insurance coverage, even if the company only employs one person. Typically, sole proprietors are not required to have workers’ compensation insurance. However, roofers are required to carry workers’ compensation insurance for themselves, even if they do not have any other employees.
If you are self-employed, check with the California Department of Industrial Relations to see whether you need the insurance. Under California law, anyone working for an employer is presumed to be an employee. Even if the company’s headquarters are in another state, business owners must carry workers’ compensation insurance for employees who regularly work in California. Employees are not required to pay any part of the insurance premium.
In California, there are criminal penalties for failing to carry workers’ compensation insurance, including a stop order, liens against the employer’s property to pay worker benefits, various financial penalties, and even imprisonment.
There are important differences between working as an independent contractor or as an employee. Beginning January 1, 2020, a new law, commonly referred to as Assembly Bill 5, changed the definition of employees and independent contractors. It applies a set of requirements known as the “ABC” test. There are exceptions to the new law for various industries and professions.
However, as outlined in the ABC test, an injured worker is an employee unless the employer can prove that the worker:
If the person cannot satisfy each of the three requirements, the person is not an employee.
Some employers, however, incorrectly classify employees as independent contractors to avoid workers’ compensation and other payroll responsibilities. If a claim is filed, the burden is on the employer to prove that the injured person is an independent contractor and not an employee.
No. Your injury is covered by workers’ compensation as long as it is work-related. Work-related means any physical, occupational, or repetitive stress injury, illness, or condition you suffer during the course and scope of your employment. However, workers’ compensation makes exceptions to the work-related injuries it covers.
For example, worker’s compensation does not cover injuries that happen because an employee is intoxicated or using illegal drugs. Other exceptions include self-inflicted injuries, injuries that happened while the employee was committing a serious crime, and injuries suffered when an employee acted in violation of company policy.
California law requires workers’ compensation coverage to provide basic benefits for medical care, temporary and permanent disability, supplemental job displacement, a return-to-work supplement, and death benefits.
Death benefits are determined by the number of dependents and provide:
The doctor who treats your injuries or illness will play an essential role in your recovery and may affect your workers’ compensation benefits. A doctor might make light of your injuries, provide incorrect or inadequate treatment, or send you back to work too soon, which could result in a reduction or denial of your benefits.
In California, you may use your personal primary care physician as your treating doctor, but only if you have given your employer written notice (called predesignation) before the injury that you want to do that and if your employer provides regular health care coverage. Predesignation means that you have the right to be treated by that doctor from the date of injury until treatment is concluded. That doctor must be your regular treating physician who maintains your medical records and who is willing to treat you in the event of a workplace injury or illness.
If you predesignate a doctor, be sure to keep a copy of your predesignation form for your records. If you haven’t predesignated your doctor, the workers’ compensation insurance company will choose your doctor, probably from within the insurer’s network of doctors and that physician will provide at least the initial treatment.
If you are unhappy with your doctor’s advice or your medical care, you may switch to another physician provided you follow certain procedures.
There are two types of workers’ compensation settlements in California:
An injured employee must file a workers’ compensation claim within one year. However, the law extends that time limit in certain circumstances.
Report your injury to your employer or supervisor immediately. You should report it even if you believe the injury is minor. Be sure to mention all the parts of your body that hurt or may be affected by the injury. If it develops slowly, report it as soon as you learn or believe it was job-related. Reporting the injury promptly is critical. If you delay reporting for more than 30 days, your employer can’t investigate the circumstances fully, and your benefits may be affected.
Your employer may tell you where to go for emergency treatment. Be sure to tell the health care provider who treats you that your injury or illness is job-related.
Your employer must give or mail you a claim form within one working day after learning about your injury or illness. Fill out a claim form and give it to your employer. This process opens your workers’ compensation case. There may be issues about whether your injury or illness was work-related, whether your medical treatment is appropriate, and whether you are entitled to receive permanent disability benefits.
Also, while your claim is under consideration, you are entitled to up to $10,000 in treatment under medical treatment guidelines and an increase in your disability payments if they are late. If your claim is not accepted or denied within 90 days of you submitting the completed claim form to your employer, the law presumes that your injury or illness was work-related.
For your own records, write down all the facts concerning your injury or illness, because in some cases, you may have a third-party liability case in addition to your workers’ compensation claim. To figure this out, you should discuss your case with an experienced workers’ compensation lawyer.
Your employer also has specific duties related to workers’ compensation. They must obtain workers’ compensation insurance or qualify to become self-insured, place the workers’ compensation poster somewhere in the workplace where all employees can see it, and provide new employees with a workers’ compensation pamphlet.
After an injury or illness occurs, your employer must provide a workers’ compensation claim form to you within one working day from when the work-related injury or illness is reported. They must promptly return a completed copy of the claim form to you and forward it, along with the employer’s report, to the claim’s administrator within one working day of receipt. Also, they must provide transitional duties when appropriate.
The claim’s administrator must authorize medical treatment costing up to $10,000. They are required to do this within one working day after you file a claim form with your employer, even while your claim is under investigation. You can continue to receive treatment for as long as it’s medically necessary.
However, some treatments are limited by law and the medical treatment you receive must be evidence-based. The claim’s administrator may hire a third party to review your doctor’s treatment plan. This process is called a utilization review (UR). The insurance company uses the UR to decide whether or not to approve the treatment recommended by your doctor.
In some cases, after the UR, the insurance company denies or alters a doctor’s request for medical treatment, claiming, for example, that the requested treatment is not medically necessary. In that case, you will receive a written determination letter, an independent medical review (IMR) form, and an addressed envelope.
Employers in California are required to have an injury and illness prevention program to help employers identify and correct workplace hazards before someone is injured. The program must include workplace inspections, procedures for dealing with hazardous conditions, and employee safety training. If you are aware of unsafe conditions, report them to your employer. If they do not correct the problem, contact Cal/OSHA, the state agency that enforces health and safety laws.
There are many details involved in a workers’ compensation claim. Because the laws are complex and constantly evolving, if you do not have an attorney, errors or delays may affect your claim. If you have been injured or suffered a job-related illness in San Diego, a workers’ compensation lawyer will protect your rights and guide you through the complex workers’ compensation process. They know the law, and can negotiate with the attorneys representing your employer and the Bureau of Workers Compensation to obtain the best settlement possible.
You work hard to earn a living for yourself and your family, and a work-related injury or illness can be devastating for you and those you love. If you are injured or sick because of an unsafe condition on your San Diego construction job, you may have the right to significant financial compensation.
If you are injured at work, you must file for workers’ compensation within the statute of limitations, which is a strict time limit set by law. An experienced, dedicated San Diego workers’ compensation lawyer will work to ensure that you receive all benefits and medical treatment provided to you by law.
Do not wait to talk to an experienced construction accident injury attorney. Call Gomez Trial Attorneys at 866-TRIAL LAW (866 874-2552) or contact us online for a free, confidential case evaluation.
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