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Workers’ Compensation, the Growing Trend in the NFL

Posted by on Sep 6, 2017 in Uncategorized | 0 comments

What’s the first thing that comes to mind when you think of the NFL – fall games in the evening, wings, or your favorite team? Workers’ compensation is probably not your first thought, but it is something that the NFL has been recently having to shell out money for. Now, it’s easy to forget that the football players we saw on the screen are really employees to a company. They’ve become more of an icon than what we would think of as the average American worker. However glamorous their job may be, they are perhaps more susceptible to injury at their work than most people.

For the past twenty years, the Chicago Bears have had to answer for 141 players filing 410 different claims for workers’ comp. According to the Chicago Sun-Times, this amounts to a whopping $12.5 million dollars that have gone to the players for their pain, suffering, and medical bills. Now it’s no secret that playing professional football puts an inherent risk on the body. According to CNN in the past five years, an average of 243 players have been diagnosed with concussions. These concussions have been known to develop into dementia, Alzheimer’s, and a degenerative brain disease known as chronic traumatic encephalopathy or CTE. Other players have reported serious spinal injuries and broken bones. As one of the top teams in terms of a number of workers’ compensation claims filed against them, the Chicago Bears have pleaded with the state of Illinois to lower the compensation laws since they are among the most generous in the country. Chicago’s other sports teams: the Blackhawks, Bulls, Cubs, and Sox, have supported the bears in trying to change the laws surrounding compensation. The biggest settlement the Bears had to answer for was about $400,000 for a spinal injury sustained by wide receiver Johnny Knox. On average however, they normally settle claims for about $90,000. Which is to be expected since the treatment following these serious injuries is not cheap. Any kind of spinal or brain damage requires intense care.

The amount of workers’ compensation shouldn’t be lowered. If anything workers’ compensation should increase with inflation and rising healthcare costs. The workers’ compensation attorneys at Robert Wilson & Associates believe that if your place of work has a potential to cause injury, then the employer should have to pay for all of the medical bills. As a multi-billion dollar industry, the NFL can afford to take care of their players. After all, the players are the one who make the sport what it is; they should be taken care of when injured.

Like any other job playing a sport comes with its own unique set of risks. As a paid employee of the NFL, they should be taken care of whenever they are injured on the field. America watches them weekly and doesn’t want to see the people on their team suffer.

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Temporary Injury and Short-Term Disability Benefits

Posted by on Jun 24, 2016 in Uncategorized | 0 comments

A temporary injury such as a broken bone or strain may require that an employee take time off from work to heal. A temporarily injured worker may be worried about lost income. However, in these cases, workers can be partially compensated for lost wages.

If an injury completely prevents an employee from working until he or she has recovered, it is considered a temporary total injury. If an employee is unable to work for over seven days, he or she can begin to receive 2/3 of their usual wage in compensation. After 21 days, the worker can receive compensation for the first seven missed days.

An injured worker is considered to have a temporary partial injury when the injury forces him or her to work a reduced number of hours. In this case, the individual may be eligible to receive compensation for 2/3 of the difference between their usual and current wages. This compensation can be received for up to 300 weeks. A period of temporary total injury will be subtracted from the 300 weeks of compensation for the temporary partial injury.

Individuals prevented from working due to an injury should seek Short-Term Disability benefits. This can be challenging, however, as 70 percent of disability claims are denied after the first review. Procedural issues are common and frustrating, and can result in delayed benefits, even if the injured worker is entitled to compensation. Further, insurance companies have an incentive to deny claims because the fewer claims they approve, the higher their profits. Even if an individual files to appeal the claim’s rejection, only 15 percent are approved. If your claim is denied, legal assistance can support you with the appeals process. Although most individuals will give up and drop their claim after a denial, three out of five claims are approved after reaching a second appeal.

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