Visitor Question

Cut Off Finger While Working…

Submitted By: Sharon (Alabama)

I cut my index finger off and damaged the 3rd finger while at a meat market on a Monday morning. I had surgery Monday night and came home from the hospital on Tuesday. I need to know when my workmans compensation will kick in. Do you know or know how I can find out? Thanks.

Disclaimer: Our response is not formal legal advice and does not create an attorney-client relationship. It is generic legal information based on the very limited information provided. Do not rely upon the information in our response, or anywhere else on this site, when deciding the proper course of a legal matter. Always get a personalized case review from a local attorney.

Answer

Dear Sharon,

Your Workmans Compensation benefits should begin almost immediately after your injury. Depending on the size of your company they may have a Workmans Compensation representative available for you to speak with immediately.

The representative, or “Claims Adjuster,” will direct you to the physicians who may be necessary to further treat your index finger’s amputation and 3rd finger injury. The Adjuster will also explain to you the amount of benefits you should be receiving.

In Alabama that amount is calculated by a formula which includes your present earning amounts, the amount you would in all likelihood have been making into the future, and an additional amount for a lump sum settlement.

You should sit down with the Adjuster and have her explain to you the benefits “package” available to you. Most people have a difficult time understanding the Workmans Compensation formulas used to calculate the partial and permanent disability figures, as well as any lump sum settlements.

Although the Adjuster and your employer will know the formula very well, they may not be able to explain it to your satisfaction.

You must remember the insurance Adjuster and the insurance company she works for were hired by your employer. No one is suggesting there might be any collusion by attempting to cheat you out of your rightful settlement amounts, but in an effort to be absolutely sure you will be receiving the maximum amount of benefits you deserve, you really should consider sitting down with a skilled Workmans Compensation Attorney.

Skilled Workmans Compensation Attorneys normally specialize in Workmans Comp and Personal Injury cases. The Attorney will make sure you receive every penny you deserve. We might suggest you contact one of these Attorneys at your earliest convenience.

Most do not charge any fee for an initial office consultation.

The above is general information. Laws change frequently, and across jurisdictions. You should get a personalized case evaluation from a licensed attorney. Find a local attorney to give you a free case review here , or call (888) 647-2490.

Best of luck,

Published: July 22, 2011

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One thought on “Cut Off Finger While Working…

  1. Thank you Law Guy. I will check into this, we want to understand how it all works and you gave us a great start.

    ‘Sharon

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