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Workers' Compensation pays for work-related injury or death

Most New Hampshire workers who are injured or killed on the job are entitled to be compensated for their losses. The employer, by law, must have such insurance to cover benefits to employees who suffer injury or death while performing their job duties. Workers' compensation generally covers a percentage of a disabled worker's lost wages and pays his or her medical expenses, including expenses for rehabilitation therapy.

On occasion, an insurance carrier for the employer will refuse to compensate a worker who was injured and who is not able to work. This sometimes involves conflicting medical opinions with the worker's physician keeping the worker out of work and the employer's physician claiming that the employee is able to work. In such situations, the worker will likely need the services of a workers' compensation attorney to represent him or her in a workers' compensation hearing before a judicial officer.

When the worker is killed in a workplace accident, the insurer must pay specified death benefits for the funeral and burial, along with medical expenses. In addition, the immediate family is entitled to weekly or monthly benefits for lost wages. In a recent accident in another state, a 23-year-old man died in a work accident at Agri-Science Technology Co. when he was reportedly overcome with fumes.

The man was a recent newlywed, and he and his wife were expecting a baby. The lost wages benefits will be paid to the spouse for the specified period under the state's workers' compensation law. Generally, a death claim will not be disputed unless there is a question of whether there was really a workplace accident. On occasion, an insurer will negotiate a lump-sum settlement with the family of a deceased worker. In New Hampshire and other states, the procedure for settling such a claim is strictly regulated, and the recovery will be maximized by using the services of a workers' compensation attorney.

Source:, "'So much to live for:' Soon-to-be father, 23, dies in workplace accident", John Agar, July 29, 2016

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