I got my finger caught in a stand up sander at work and got 8 stitches in my index finger. Ive been out of work for a little over 2 weeks, recently returned this week. Some one at work ask if I was going to file a claim for scar money. Now my concern is my boss is my father and uncle if I file a claim will it affect anything from insurance to possibly money coming out of there pocket. I want to file but i don't want to hurt the company in any way! Is it possible to file a claim and not have it cost the company?
In most situations the companies workers compensation premium is based on a "experience modification" that takes into account the money paid out in claims for that business. There is no way of knowing what type of policy your company has or if it will affect the premium without having the owners of the company discuss it with their insurance broker. Since the amt of the disfigurement award is not that high, maybe you should talk to your relatives directly about whether you should make the claim. It is something that you are entitled to under the policy but you don't have to pursue it if you don't want to.
If this information has been helpful, please indicate by providing feedback that the answer was either "helpful" or "best answer" as appropriate. Legal Disclaimer: Mr. Connell is a Colorado attorney licensed in only that state. The response herein is not legal advice and does not create an attorney/client relationship. The response is in the form of legal education and is intended to provide general information about the matter within the question.
Only your father/uncle's insurance agent or broker can answer your question. It is not governed by law but by internal insurance company policy. My suspicion is that a lost time accident has already been assessed and whether you seek permanency shouldn't matter.
If this information has been helpful, please indicate by providing feedback that the answer was either "helpful" or "best answer" as appropriate. Legal Disclaimer: Mr. Candiano is licensed to practice law in Illinois and Indiana. The response herein is not legal advice and does not create an attorney/client relationship. The response is in the form of legal education and is intended to provide general information about the matter within the question.
Generally, if WC claims are filed against an employer then their rates will go up. I would not expect that you could get much in "scar" money for 8 stitches in your finger. However, if your finger does have loss of motion or other permanent damage, you may want to pursue a claim.
This response is meant to be information only and should not be considered to be legal advice. This information is not meant and should not be construed to be the formation of an attorney client relationship. I practice Virginia Workers compensation law and Social Security Disability law.
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