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How Does Workers’ Comp Work in Columbia, SC?

A man helping his injured coworker walk.

Workers’ compensation is a form of insurance that’s automatically available to almost every worker in South Carolina. This insurance is designed to cover your medical losses if you were injured on the job.

It’s designed to be a no-fault form of coverage, which means you are eligible for benefits based on your injury regardless of how the injury happened or who caused the injury. Basically, if you were hurt on the job in South Carolina, you are more than likely covered by workers’ compensation.

Getting your workers’ comp benefits seems simple at first, but it can become complex if you are denied benefits or if you cannot get updates on your claim. Learn how workers’ comp works in South Carolina and find out how our attorneys at Harris & Graves, P.A. can be your dedicated partner in your fight for those benefits.

How to Seek Workers’ Comp Benefits in South Carolina

A woman holding her ankle in pain after an injury at work.The workers’ comp process begins when you get hurt and need to report your injury to your employer. As soon as you get hurt at work, you should let your boss, supervisor, foreman, or company representative know as soon as possible.

After you report your injury, your employer should give you a list of approved medical providers to visit. Choose a doctor on the list and see them as soon as possible. Don’t go to your own doctor unless they are on the list. It’s important to see one of the insurance company’s approved providers if you want to receive workers’ comp benefits. Don’t worry about your insurance co-pays, as your employer’s insurance will take care of the visit. If you need a second medical opinion later, your workers’ comp lawyer can help with that.

If you sustain a permanent disability, you may have a right to certain benefits depending on the severity of the impairments. For example, you may be entitled to temporary compensation of wage loss during your treatment period and while you are restricted from work. In some cases, this award may include benefits for the rest of your life.

What Happens if My Claim Is Denied?

An industrial worker feeling stressed at work.If your claim is denied, you still have options. You can appeal the denial and ask the insurance company to take a second look. It’s likely that the insurance company will still deny the claim, and you may have to appear before an administrative judge at a hearing to prove your disability. At this point, it becomes even more essential to have a South Carolina workers’ comp attorney in your corner. Your attorney can collect all of the evidence to give you the strongest case for your appeal and hearing if necessary.

It’s not easy to prove a disability when a claim is denied, and that makes it essential to have an attorney who can build a case, help you get second opinions where needed, and prove that you need the benefits.

Hiring the Right Workers’ Comp Attorneys for Your Case

If you have suffered a work-related injury and are asking yourself, “How does workers’ comp work?” our attorneys at Harris & Graves, P.A., are here to answer your question. Our teams partner with you in your fight for workers compensation benefits.. Call us at (803) 799-2911 or fill out our online form to get your free case review today.