Why Should I File For Workers’ Comp If I Have Health Insurance?
An approved workers’ compensation claim should cover all medical expenses relating to an on the job injury. Even the best health insurance on the market will have out of pocket expenses and those expenses add up quickly.
Let’s review the most common injuries sustained in a refinery accident and the average cost of care for each one.
- Burns: Burns that are caused by heat or chemicals are incredibly painful and can take months to heal. Severe burns without complications can cost more than $1 million to treat and if complications occur, which they almost always do, those costs rise to over $10 million.
- Traumatic Brain Injury: TBI’s occur for a variety of reasons, including slip and fall accidents, being hit by a falling object, and even chemical exposure. The average cost of treating a TBI over a lifetime is $3 million.
- Spinal Injuries: Spinal injuries can cause a wide variety of symptoms, including constant pain, tingling, numbness, and paralysis.
As you can see, it can be quite difficult for the average individual or family to cover the costs of injuries that frequently occur in refineries.
Additional Compensation May Be Possible Through A Lawsuit
When our legal team reviews your claim, we also determine if you are eligible to file a civil lawsuit. These lawsuits are filed against a third party whose negligence caused the accident to happen. For example, if a part or product defect caused an explosion at a refinery, the manufacturer or designer of that defective product could be held legally responsible.
A civil lawsuit can be filed in addition to any workers’ compensation claims and can provide additional compensation for lost wages, medical bills, physical pain and suffering, and emotional trauma.
What Legal Rights Do I Have If My Loved One Was Killed In A Refinery Accident?
When a worker dies in a refinery accident, their spouse, children, and parents could be able to recover compensation through both a workers’ comp claim for death benefits and a civil lawsuit. This compensation is not intended to replace the worker as obviously nothing could ever do that, but it may make transitioning through this difficult time much easier from a financial standpoint.
If you have questions about the workers’ compensation process, how much you may be owed, or our law firm, contact us today.