Free workers comp case review
Most workplace injuries are covered even when the accident was your own mistake. Answer six questions and a workers compensation attorney licensed in your state will review your claim, for free.
No documents and no account. We only ask what an attorney needs to tell you whether you are getting what you should be.
Do I have a claim?
They decide it was their own fault, or that it is not serious enough, or that a denial letter settled the matter. Sometimes that is right. Often it is not, because workers compensation does not work the way people expect it to. Here is what people come to us about.
You lifted wrong, you were rushing, you missed a step. Workers compensation is a no fault system: in almost every state it pays whether or not anyone did anything wrong, and blaming yourself is the single most common reason a covered injury never gets claimed.
A back, a shoulder, a wrist or a knee worn down by the same movement for years. Hearing lost to a machine you stood next to. These count in most states, they are harder to prove than a fall, and they are the ones insurers fight hardest.
A denial letter is the start of the process, not the end of it. Claims get refused over a late report, a wording choice in a medical note, or a doctor the insurer chose. There is an appeal, it has its own deadline, and most of them are won with help.
Checks that arrived and then did not. A surgery that keeps being reviewed. Treatment approved and then cut off after an examination by a doctor the insurance company sent you to. None of that has to be the last word.
Released to full duty while you are still in pain, or given light duty that is nothing like light. Going back too soon can make the injury worse and can be used later to argue you had recovered.
A faulty machine, a contractor on the same site, a driver who hit your truck. Workers compensation usually stops you suing your employer, but it does not stop a claim against whoever else was responsible, and that claim is not capped the way benefits are.
Not sure which one fits, or fairly sure none of them do? Describing it to an attorney costs nothing, and the boundaries are not where most people assume.
Check my claimHow it works
You tell us what happened once. Everything after that is our job and the attorney’s.
Six questions, no documents, no account. You do not need to know whether your injury is covered or what the benefit is called. That is the part the attorney works out.
Workers compensation changes at the state line: the benefit rates, the deadlines, the appeal route, even who picks your doctor. We pass your details to an independent attorney licensed where you were hurt.
The attorney calls you, listens, and tells you what you should be getting and what to do next. Workers compensation fees are capped by state law and normally come out of a recovery, so there is nothing to pay up front.
Before you do anything else
None of this is legal advice, and nothing here depends on using our service. It is what workers compensation attorneys say they wish people had known before the call.
This is the deadline that catches people. Depending on the state you may have 30 days, 45, or as few as 7 to report a workplace injury, and a late report is the easiest thing in the file for an insurer to refuse over. A text or an email to a supervisor is enough to start with. Say it happened at work, say when, and keep a copy.
That is the bargain workers compensation is built on: you give up the right to sue your employer, and in exchange you are covered without having to show negligence. Your own mistake, a moment of inattention, a job you had done safely a thousand times before. The narrow exceptions are things like intoxication and deliberate self harm, not ordinary human error.
The insurance company pays the benefits and also decides what to approve, and the nurse case manager and the examining doctor it sends you to are working for it. Be polite and be accurate, but do not guess at dates, do not minimize the pain to seem reasonable, and do not give a recorded statement before you have spoken to someone of your own.
Every state makes it unlawful to fire, demote, cut the hours of or otherwise punish somebody for claiming workers compensation. It still happens. If it happens to you after you file, that is a second claim rather than the end of the first one, and it is worth saying so on the call.
Frequently asked
Something specific to your situation? It is a better question for the attorney, and the call is free.
No. Submitting the form is free and the case review with the attorney is free. Workers compensation attorney fees are set by state law, normally a capped percentage of what the attorney recovers for you, and in most states they have to be approved by the state before they are paid. If there is no recovery there is generally nothing to pay. The attorney explains their terms before you agree to anything.
It usually does not matter. Workers compensation is a no fault system in almost every state, which means you can be covered for medical care and lost wages even if you caused the accident yourself. There are narrow exceptions, mostly for intoxication and deliberate self harm, and they are much narrower than people assume. This is the single most common reason a good claim never gets made.
No. Compensation Guardians is not a law firm and does not give legal advice. We connect people who may have a workers compensation claim with independent attorneys and law firms who advertise with us. No attorney client relationship is created by using this site.
No. A denial is a decision by an insurance company, not by a court, and every state has a route to challenge it. That route has its own deadline, which is often shorter than the one for filing in the first place, so a denial letter is a reason to move faster rather than a reason to stop.
Usually within one business day, often the same day. The call comes from the attorney's office, so it may show as a local number you do not recognize. If you miss it, they will normally try again.
Maybe, and maybe not. Most employees are covered from their first day, including part time and seasonal workers, and in many states it makes no difference whether you are authorized to work in the country. Being handed a 1099 does not settle it either: whether you are an employee is decided by how the work is actually controlled, not by the label on the paperwork. It is worth one phone call to find out.
It goes to Compensation Guardians and to one or more independent attorneys or law firms who may be able to help you, and that is what your consent on the form covers. We do not sell it for unrelated marketing. You can ask us to delete it at any time. The full detail is in our privacy policy.
Free case review
A workers compensation attorney licensed in your state will tell you what your claim should be paying and what to do next. It costs nothing to ask, and the deadline to report an injury is running either way.
Prefer email? contact@compensationguardians.com
