Tennessee Workers Compensation
Tennessee law requires employers with at least five employees, as well as construction and mining companies with any employees, to carry workers' compensation insurance. This no-fault insurance-which is automatically provided at no cost to employees from their first day on the job-pays expenses stemming from on-the-job injuries and occupational diseases. Workers' compensation attorneys can help workers file claims and get the benefits they deserve.
Workers' Comp Basics
If you have been injured on the job in Tennessee, workers' compensation laws may entitle you to certain benefits. These benefits can include payment of medical bills, compensation while you're unable to work, vocational rehabilitation, permanent partial disability benefits and/or total disability benefits. Additionally, the family members of workers who are killed on the job may be entitled to death benefits.
Workers' compensation coverage begins on your first day of employment regardless of whether you are a part-time or full-time employee. You may still be eligible for Tennessee workers' compensation benefits even if you were an independent contractor or a cash employee.
Government employees may be exempt from coverage or may be covered under different laws and types of workers' compensation insurance programs. Additionally, farm laborers and household employees may not be covered by workers' comp insurance. If you are injured or diagnosed with an occupational disease while working in a job that isn't covered by workers' comp, you may have to file a personal injury lawsuit against your employer to get the money to which you are entitled.
Types of Injuries Covered by Workers' Compensation
Injuries typically covered by Tennessee workers' compensation include:
- Traumatic physical injuries
- Repeated trauma injuries
- Mental injuries
- Occupational disease
Types of Benefits
Workers who are hurt on the job (regardless of whether your employer was at fault) or develop occupational illnesses may be entitled to benefits that include:
- Medical care
- Temporary disability benefits designed to at least partially replace lost wages if you are temporarily unable to work
- Permanent disability benefits designed to at least partially replace lost wages
- Death benefits
If you receive workers' compensation benefits following an injury, you cannot sue your employer for additional compensation in connection with your injury. You may, however, be able to file a lawsuit against others involved in your injury. A workers' compensation attorney can advise you of your legal options.
Filing a Workers' Comp Claim
If you're injured while at work or develop a job-related occupational disease, tell your employer as soon as possible. In Tennessee, you'll also have to notify your employer in writing within 30 days of the injury or occupational disease diagnosis.
Your employer is responsible for filing the "Tennessee Employer's First Report of Work Injury or Illness" (also known as Form C-20) with their workers' comp insurance carrier within one day of receiving notification of your injury or illness.
If your employer fails to file a claim or if your claim is denied, you should promptly hire a workers' comp attorney to ensure that you receive the benefits to which you are entitled.
Find & Hire Local Tennessee Workers' Comp Attorneys
If you live in Memphis, Knoxville or elsewhere in Tennessee and need help finding a local workers' comp lawyer, you've come to the right site. Attorneys.com can quickly connect you with workers' comp attorneys in your area-and our service is free. Fill out the form on this page to get matched with a lawyer today, or call us at 877-913-7222.