Best workman compensation lawyers in India 2022

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Definition of Workmen Compensation Insurance Policy

Workmen compensation insurance policy is a commercial insurance plan that covers for the legal liabilities of an employer in order to provide compensation of death or disability of a worker under the Workmen’s Compensation Act 1923, Fatal Accident Act 1855 and common law. Workplace accidents, even with highest precautions, are inevitable. Workmen compensation insurance will help the employer pay a compensation to the employee/worker and his/her family members in case of any accidental injury or death to the employee/worker.

Workmen/Workers Compensation Act in India

Workmen Compensation Act, 1923 covers for people working in factories, plantations, mines, construction sites, mechanically propelled vehicles, hazardous premises and employees of the Indian Railways. This is an employee compensation act that mandates employers in all the mentioned segments to pay compensation to their employees or workmen for accidental injury or death. The act is created with an intent to strengthen workers and their families financially in case of an unfortunate event at the workplace.

Benefits of Group Workmen Compensation Insurance Policy

For employees

Covers for an employee’s hospitalization due to injuries suffered at the workplace
Covers for death, permanent or partial disablement at workplace
Serves as a financial cushion for the employee and their family in case of any adversity

For employers

Workmen compensation insurance provides coverage against occupational diseases. So, if your workers are constantly subjected to hazardous substances or any other risk, this insurance policy can be a savior.
A workmen compensation insurance will give you peace of mind that you’ve been able to support your employee and the organization, at large, in case any employee suffers from a work-related injury or death.
Cases filed with the Labour Court concerning accidental death or disability of workers get covered under this policy.

Inclusions under Workmen Compensation Insurance Policy

Below are the benefits that Workmen/workers Compensation insurance policy covers:

Injuries caused due to accidents at workplace
Injuries and diseases caused or aggravated by conditions at workplace
Death
Disablement
Note: This is not an exhaustive list, details of all the inclusions will be part of your policy copy.

Exclusion under Workmen Compensation Insurance Policy

Minor injuries
Initial 3 days of disablement and if disablement is less than 28 days
Injuries caused due to war, nuclear attack or riots
Death or injury caused under the influence of alcohol or drugs
All diseases that are specified in part C of Workmen’s Compensation Act
Note: This is not an exhaustive list, details of all the exclusions will be part of your policy copy.

Claim process under Workmen Compensation Insurance Policy

The steps for filing the claims under workmen compensation for employees are as follows:

Informing the supervisor and then the employer, immediately, about the death or disablement of the worker
The employer has to collect all the information about the incident and the employee as per the requirement of the insurance company
The employer has to submit all the necessary documents to SecureNow and the insurance company
The insurance company then takes necessary actions to either approves or reject the claim

Documents Required for Workmen Compensation Insurance Policy

Below are the documents required to file for a claim under the workmen compensation insurance policy:

Duly filled and signed claim form
Original medical bills, diagnostic reports and compensation records
Medical certificate for disablement at workplace
Death certificate, investigation report, post-mortem report in case of accidental death at workplace.

10 Best workman compensation lawyers in india

  1. Barnes & Thornburg LLP
  2. Batesky Law Office
  3. Greene & Schultz Trial Lawyers
  4. Hankey Law Office
  5. Isaacs & Isaacs
  6. Kenneth J. Allen Law Group
  7. Ladendorf Law
  8. McNeely Stephenson
  9. Pavlack Law, LLC
  10. Stewart & Stewart Attorneys

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