What Does Workers’ Compensation Cover in Pennsylvania?
Workers’ compensation is a no-fault insurance program designed to provide financial support and medical care for employees injured on the job. Under Pennsylvania law, workers’ compensation benefits cover:
- Medical Expenses: Full coverage for reasonable and necessary medical treatment, including hospital bills, surgeries, rehabilitation, prescriptions, and therapy.
- Wage Loss Benefits: Partial wage replacement if you are unable to work or earn your full wages due to your injury.
- Specific Loss Benefits: Compensation for the permanent loss of use of a body part, including fingers, limbs, or vision.
- Disfigurement Benefits: Benefits if you suffer serious, permanent disfigurement to your head, face, or neck.
- Death Benefits: Support for surviving dependents if a worker dies from a work-related injury or illness.
You do not need to prove that your employer was negligent. If you are injured while performing your job duties, you are entitled to benefits.
Common Types of Workplace Injuries in Chambersburg
Work injuries happen across all industries — from offices and healthcare facilities to factories, warehouses, and construction sites. Common injuries we see in Chambersburg include:
- Back and Neck Injuries: Often caused by heavy lifting, falls, or repetitive strain.
- Shoulder and Knee Injuries: Common among workers who engage in physical labor or repetitive movements.
- Fractures and Broken Bones: Resulting from slips, trips, falls, or machinery accidents.
- Head Injuries and Traumatic Brain Injuries: Often caused by falls from heights, falling objects, or vehicle accidents on the job.
- Occupational Diseases: Exposure to toxic chemicals, asbestos, or repetitive stress can lead to illnesses like lung disease or carpal tunnel syndrome.
- Burns and Lacerations: Particularly common in construction, manufacturing, and food service jobs.
- Hearing Loss: Workers exposed to loud environments over time can suffer permanent hearing damage.
No matter what type of injury you suffered, the Chambersburg workers’ compensation attorneys at Mooney Law are prepared to protect your claim and your future.
10 Frequently Asked Questions About Workers’ Compensation
Q: What should I do immediately after a work injury?
A: Report the injury to your employer as soon as possible and seek medical treatment. Delays can harm your claim.
Q: Can I choose my own doctor?
A: For the first 90 days, you may need to see a doctor from your employer’s panel if they provided a list. After that, you can usually select your own provider.
Q: What benefits can I receive?
A: Medical coverage, partial wage loss, specific loss benefits, and death benefits for surviving family members.
Q: How long can I receive workers’ compensation benefits?
A: It depends on the severity of your injury and whether you are considered totally or partially disabled.
Q: What if my claim is denied?
A: You have the right to appeal. Mooney Law can represent you during hearings and appeals to fight for the benefits you deserve.
Q: Can I be fired for filing a workers’ compensation claim?
A: Pennsylvania law prohibits retaliation, but it is critical to have an attorney protect your rights if you fear retaliation.
Q: What if a third party caused my injury?
A: You may have a separate personal injury claim against a negligent third party (like a contractor or equipment manufacturer).
Q: Will I get a lump sum settlement?
A: Some workers’ compensation cases result in a lump sum settlement, but it depends on your medical status and legal strategy.
Q: How do I pay for a workers’ compensation lawyer?
A: Mooney Law charges no upfront fees. Our fees are contingent and subject to approval by a Workers’ Compensation Judge.
Q: Why do I need a lawyer if workers’ comp is supposed to be automatic?
A: Employers and insurance companies often dispute claims, minimize injuries, or deny benefits. A lawyer ensures your rights are fully protected.
Pennsylvania Workers’ Compensation Laws
Pennsylvania’s Workers’ Compensation Act provides crucial protection for employees injured at work, but the law is complex. Important features include:
- Mandatory Coverage: Most employers in Pennsylvania are required to carry workers’ compensation insurance.
- No-Fault System: Workers do not need to prove fault to receive benefits but give up the right to sue their employer in most cases.
- Employer Notification: Injuries must be reported to the employer within 120 days, but it is best to report immediately.
- Filing Deadlines: There are strict deadlines for filing claims and appeals; missing one could jeopardize your case.
- Partial vs. Total Disability: Workers are classified based on their level of disability, which affects the duration and number of benefits received.
- Utilization Review Process: Disputes over the reasonableness of medical treatment may arise and require legal intervention.
Navigating the Pennsylvania workers’ compensation system can be challenging without skilled legal guidance. Mooney Law is here to make sure you do not lose the benefits you deserve.
Termination and Workers’ Compensation in Pennsylvania
Being hurt on the job and then facing termination is a terrifying experience. In Pennsylvania, your employer cannot legally fire you simply because you filed a workers’ compensation claim. However, employers sometimes attempt to terminate injured workers under other pretexts. If you have been fired while receiving workers’ comp benefits — or believe you are being pressured to quit — contact Mooney Law immediately. We will aggressively defend your rights and ensure that your workers’ compensation benefits continue uninterrupted. We also explore additional legal remedies if you were wrongfully terminated.
Why Choose Mooney Law for Your Chambersburg Workers’ Compensation Case?
Choosing the right attorney after a work injury can make all the difference in your recovery and financial future. Here’s why injured workers trust Mooney Law:
- Local Experience: We have represented workers across Chambersburg and Franklin County for years, and we know the local employers, doctors, and judges.
- Proven Results: Our history includes recovering millions in workers’ compensation settlements and awards.
- Personalized Service: You will have direct communication with your attorney throughout your case, not just support staff.
- Aggressive Advocacy: We fight relentlessly against employers and insurance companies who try to minimize or deny your rightful benefits.
- No Fee Unless We Win: You owe nothing unless we successfully recover benefits or a settlement for you.
- Comprehensive Knowledge: We understand both workers’ compensation and personal injury law, allowing us to explore every avenue of recovery.
When your health, your family, and your livelihood are on the line, Mooney Law stands ready to fight for you.
Speak With a Chambersburg Workers’ Compensation Lawyer Today
If you have been injured at work in Chambersburg or anywhere in Franklin County, do not leave your future to chance. Contact Mooney Law today for a free, no-obligation consultation. Let us help you get the workers’ compensation benefits you deserve — and the peace of mind you need to move forward with your life.