Written by attorney Timothy Justin Young

Jones Act Insurance Coverage: Medical Expenses Recoverable

Jones Act insurance coverage provides compensation for maritime workers who are injured as a result of negligent actions from an employer or coworker. For help learning about Jones Act settlements and what you may be entitled to receive, contact a Louisiana maritime lawyer today.

Recoverable Medical Expenses under Jones Act Insurance Coverage

Maritime injuries can range from minor to fatal. The amount of your medical expenses received in Jones Act settlements will depend on the nature and severity of your injuries.

The following are examples of the types of medical expenses that may be recoverable under the Jones Act with help from a Louisiana maritime lawyer:

  • hospitalization;
  • surgery;
  • nursing services;
  • prescriptions;
  • physical therapy;
  • occupational therapy;
  • medical aids;
  • exams/tests;
  • ambulatory services; and
  • counseling.

In addition, Jones Act insurance coverage may allow for additional compensation through maintenance and cure. Generally all of your reasonable medical expenses will be covered in Jones Act settlements. Daily living expenses are included as well.

The idea behind maintenance and cure is that until you have reached maximum medical cure, which doesn’t necessarily mean a full recovery, you will be reimbursed. This may include transportation costs to and from your appointments.

It is always a good idea to discuss your case with a Louisiana maritime lawyer to be sure you get the most out of Jones Act settlements. This way, you can make sure that all of your medical costs are considered when determining how much you are eligible to receive.

Additional Compensation through Jones Act Insurance Coverage

Along with your medical expenses, you may be entitled to additional compensation. For instance, if you are unable to work, the wages you are missing may be included. And if it’s determined you will need additional medical treatment in the future that will prevent you from working, those earnings also may be recovered.

Examples of other compensatory benefits that may be available include loss of enjoyment of life, disability, pain and suffering, and emotional distress. To make sure that everything is taken into account, it is a good idea to seek legal counsel.

In certain circumstances, you might be entitled to file a third-party claim to address the negligence of someone other than your employer -- for instance, an independent contractor. It can be filed in conjunction with a Jones Act claim.

Why You Might Need to Consult a Louisiana Maritime Lawyer

Despite having Jones Act insurance coverage, you may find that your claim is denied, or your rights to recovery may be diminished. With the complexity of maritime laws, you should seek help from an attorney who handles this practice area.

Unfortunately, employers sometimes will try to take advantage of their workers and deny what they are entitled to receive. Or they may try to put the blame on the worker. Having legal counsel on your side not only will ensure protecting your legal rights, but also will ensure that you have someone fighting to make sure your right to recovery is maximized.

Don’t hesitate to seek advice from a Louisiana maritime lawyer. You will gain a better understanding of Jones Act insurance coverage and Jones Act settlements. The Young Firm is available to take your call: (866) 920-8471.

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