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Nobody wants a back injury. It hurts! But, when a back injury prevents you from being able to do your job, the pain can be felt in your wallet as well as on your back.
Work related back injuries, also known as musculoskeletal disorders (MSD), account for one-third of all work related injuries and illnesses each year. The average cost of a back injury worker's comp claim can be as high as $80,000. This covers the cost of medical care and missed work.
So, can you get workers' compensation for a back injury?
Was It Work Related?
To be covered by workers' comp, your back injury must be work related. This usually means the injury:
As always though, there are exceptions:
How Do You Make a Claim?
While the actual process and required forms may vary from state to state, you should generally:
What's The Time Limit For Filing a Claim?
The time limit, or statute of limitation, for filing a claim varies from state to state. When the statute of limitation starts can also vary depending on state statute.
In Florida, for example, you have two years after the injury to file a claim. However, if you didn't know that the injury was work related, then the statute of limitations doesn't start until you find out.
In Texas, you have only one year to file a claim. The statute of limitation starts when the injury occurred, or when the employer knew or should have known the injury was work-related. Be sure to check your state's statute to find out when you have to file your claim.
If you've suffered a back injury, an experienced workers' compensation attorney can help you assess your options for filing a claim.