What is an Insurer?
An Insurer is, “the underwriter or insurance company with whom a contract of insurance is made.” (Black’s Law Dictionary 946. 4th Ed. Rev. 1968). It is important not to confuse the insurer with the insured. The insurer is the party offering insurance, while the insured is the individual who receives insurance (the policyholder). Usually the insurer is an insurance company.
Insurers usually have a pool of policyholders at any given time. Insurers draft policies and agree to terms with policyholders. When a policyholder experiences a loss covered by the policy, they file a claim with the insurer. The insurer reviews the claim and covers the loss if it meets the policy’s terms.
Insurers are subjected to legal obligations. They, like the policyholders, are legally bound by insurance contracts. They are also regulated by government agencies, which serve to make them operate legally and fairly. If an insurer fails to process claims fairly, unreasonably denies claims, or delays payments, it may be acting in bad faith. Policyholders can take legal action against insurers for such practices.
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Reading Workers’ Compensation FAQs
What is Workers’ Compensation?
Workers’ compensation is a state-sponsored insurance program that provides compensation for workers suffering injury or illness. Pennsylvania workers’ compensation was mandated in the 1914 Pennsylvania Workers Compensation Act as a safety net for individuals who become injured or sick as a result of job-related duties or conditions. Workers’ compensation benefits exist to pay for medical expenses and lost wages when you suffer a work-related injury, become ill, or aggravate an existing injury or disease while on the job.
All PA employers are obligated by the Commonwealth to carry workers’ compensation insurance for their employees. Most employees are covered by workers’ compensation regardless of their status as part-time or full-time and regardless of their immigration status. Whether you are a full-time, part-time, seasonal, or immigrant worker regardless of your immigration status who was injured or became sick while on the job, […]
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Philadelphia Workers’ Compensation FAQs
Injured workers in Philadelphia have a right to benefits under the workers’ compensation system.
The Philadelphia workers’ compensation attorneys at Munley Law have been serving the residents and workers of Philadelphia for more than 60 years. Munley Law is nationally recognized for our work on behalf of our clients. We are consistently named to the Best Lawyers in America lists. Our attorneys are board certified by the National Board of Trial Advocacy and have obtained millions for our clients who have sustained an injury in the workplace.
We can help you receive the benefits you deserve. Our Philadelphia workers’ compensation law firm understands that the aftermath of a work-related accident can be devastating. Workers’ compensation attorney Caroline Munley is certified as a specialist in the practice of workers’ compensation law by the Pennsylvania Bar Association’s Section on Workers’ Compensation Law as authorized by the Pennsylvania Supreme Court. […]
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Pittsburgh Workers’ Compensation FAQs
Our Pittsburgh Workers’ Compensation Lawyer will Fight for Your Rights
It is your right as an employee to file a workers’ comp claim and to have your medical expenses and wages paid while you recover from the injury or illness. The experienced Pittsburgh workers’ compensation lawyers at Munley Law can help you navigate the process, inform you of your rights, and help you work through any obstacles that come up.
A Pittsburgh workers’ compensation attorney at Munley Law can help you file your claim, prepare for and attend workers’ comp hearings, and appeal denials if necessary. If you or a loved one has been hurt at work or has become sick from workplace conditions in Pittsburgh, you need to know that you have rights.
What Are the Largest Industries in Pittsburgh?
Strategically located at the intersection of the Monongahela, […]
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What You Should Know About Going to Court After a Truck Accident
How to Prepare For Trial When a Truck Accident Settlement Cannot Be Reached
Not all truck settlement cases reach a settlement outside of court. When negotiations are unworkable, and a settlement agreement cannot be reached, you need an experienced personal injury lawyer with a successful track record, and who is prepared to go to trial. Alternatively, if you are satisfied with the settlement offer, and if you are not willing to withstand the delay of a trial, you may wish to refrain from going to court with your case. At the end of the day, complex truck accident cases are best dealt with when an experienced truck accident lawyer is by your side.
With over 60 years of experience, Munley Law has earned a national reputation for our significant verdicts and settlements and for our expertise in the most complex areas of personal injury law — we have all the resources and preparedness to fight for you. […]
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Can I Work While On Workers’ Compensation in Stroudsburg?
Can I Work While Receiving Workers’ Compensation Benefits in Stroudsburg?
The Pennsylvania workers’ compensation system is meant to provide support to workers after they’ve been injured on the job. It will pay all their medical costs and provide wages while the worker recovers from their injuries. In the majority of workplace injury cases, the employee will receive workers’ comp benefits until they are ready to return to work. But not all workers’ comp cases are that straightforward. In some cases, an injured worker who has not fully recovered may go back to work to perform light duty assignments. This individual will continue to have medical bills, so workers’ compensation benefits will still be available to them.
However, is it possible to collect workers’ compensation benefits and work your normal job at the same time? The answer is, yes, under certain circumstances you can work and collect workers’ comp benefits. […]
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