Best Insurance Attorney San Jose Near Me

4worldlovers:
A workplace injury will place countless obstacles before you. If you’re like most people, you go to work each day and put your health at risk. If you get injured, you may need an enforcer to ensure that your employer or insurance company pays up. Ratto Law Firm is the official enforcer for San Jose, CA. We give our clients a real path to recovery.

It will help if you speak with a workers compensation lawyer as early as possible. If you’re located in San Jose or the surrounding area, ensure that you speak to an attorney licensed to practice law in California. Doing so will afford you a better chance you of getting a positive outcome.

You deserve the best representation. We serve San Jose residents in the following workers’ comp categories:

Each state – not the federal government – operates and regulates a compensation program. In San Jose, and in all other cities, California employers must provide workers’ compensation insurance to employees. They can buy it from one of the many licensed insurers in the state.

Alternatively, they can get it from the State Compensation Insurance Fund (SCIF). The California Legislature created the SCIF in 1914. They wanted to ensure that all organizations with employees could provide workers’ compensation coverage. The SCIF is a state-operated body that operates in competition with private insurers. Some employers cannot get workers’ comp coverage from private insurers. The SCIF acts as a last resort insurer for these employers.

Let’s outline the difference between Workers’ Compensation and State Disability Insurance. If your injury or illness is NOT work related, Disability Insurance will pay you a weekly benefit, but if an employee gets injured at work in San Jose, he or she can receive workers’ compensation benefits. An employee can also claim for an accumulative medical condition due to his or her occupation. Workers’ comp also covers existing work-related medical conditions.

The employee gets these benefits in exchange for a waiver of the right to sue the employer. With workers’ comp, you’re unlikely to receive punitive damages or compensation for pain and suffering. The law also limits to the amount an injured employee can recover. They also protect coworkers by eliminating their liability in most accidents.

You can get injured by a single event. For example, you can get burned by a chemical that splashes on your skin or hurting your back in a fall. You can also get injured in a vehicle accident while making deliveries. Alternatively, you can get injured because of repeated exposures at work. For example, you can develop carpal tunnel syndrome from doing the same job over and over again. Alternatively, you may lose your hearing due to constant noise.

Carpal tunnel syndrome has become prevalent. It is the result of compression of the median nerve as it goes through your wrist inside the carpal tunnel. This compression causes tingling, pain, numbness, or weakness in the wrist and hand. Workplace related risks include repetitive, forceful tasks. Vibration or extended use of the hands or wrists in an uncomfortable posture can also cause you to develop CTS. The fabric finishing, textile, and coating mills industries have high rates of CTS. Animal slaughtering and processing also have high CTS rates.

In San Jose and other cities in the state of California, state and private sector employers must offer workers’ compensation benefits. Workers must report injuries or illnesses to their employers as soon as possible. If your medical condition developed over time, report it as soon as you learn or believe that your job was the cause of it. The employer has to arrange treatment. It’s important to tell the physician that the employee’s injury or illness is work-related. The incapacitated worker must update the employer of the treating physician’s advice. It’s critical that the employer knows about the employee’s ability to resume work.

Your employer’s insurance company has to pay for your treatment once you report the injury and file a claim. It must cover all treatment “reasonably required to cure or relieve” the effects of the injury. You don’t have to bear any deductible or out-of-pocket cost.

Filing the claim opens your case for workers’ compensation in San Jose. The insurer has 90 days from the date of filing to accept or deny your application. If they do not respond within 90 days, the law presumes that your work was the cause of your illness or injury. You are eligible for up to $10,000 in medical treatment while the insurer considers your claim.