I get this question all the time. Let’s face it, money doesn’t grow on trees. An injury at work can make a tight financial situation even tighter and nobody wants to worry about money when they’re hurting (that’s what we do for you!).
But as nice as it would be for someone else to work on getting your workers’ comp payments started, or negotiating for more money, if your work injury has you struggling to put food on the table, how can you possibly afford to pay a lawyer?
NEVER FEAR! CONTINGENCY FEES ARE HERE!
Let me try to ease your mind while answering some important questions about attorney’s fees for workers’ compensation cases in North Carolina.
At James Scott Farrin, you pay no hourly fee and nothing upfront. Call us at 1-866-900-7078 for a free case evaluation.
What Is a Contingency Fee?
To put it simply, a contingency fee means your lawyer doesn’t get paid an attorney’s fee unless you get paid. If you have a workers’ compensation case in North Carolina, you should almost never have to worry about paying your attorney’s fees out of your own pocket.
Here’s How Contingency Fees Work
In North Carolina, your workers’ comp attorney’s fee is regulated by the state and must be approved by the Industrial Commission. The standard fee is 25%, which usually comes out of any payments your attorney helps you collect from the insurance company. These payments can come in many different forms, depending on the details of your particular case. Here are just a few possible examples of payments you may be entitled to receive after an on-the-job injury:
A weekly check from the insurance company while you’re out of work
A monetary judgment after taking your case to court (and winning!)
A lump sum settlement after negotiating with the insurance company at the end of your case
Please keep in mind that every workers’ compensation case is unique so there’s no guarantee that any or all of the payments described above will apply to you. However, one thing is certain: if you have a workers’ compensation case in North Carolina, you should almost never have to worry about paying your attorney’s fees out of your own pocket.
Are There Any Other Fees I Should Expect?
Whether there might be other fees depends. Some North Carolina workers’ compensation attorneys choose to recoup additional costs on top of their 25% fee for expenses related to the administration of your case. This includes things like medical record charges, filing fees, and expert witness costs. In many cases, your attorney’s firm will pay these costs upfront on your behalf with the expectation that they will be repaid when your case resolves. It’s always a good idea to discuss any additional costs with your lawyer before you sign a retainer.
How Do Contingency Fees Benefit Injured Workers?
The contingency fee system is particularly important for injured workers!
In my experience, work-related injuries almost always result in some level of financial hardship. Without contingency fees, thousands of injured workers throughout the state would be unable to afford legal representation, leaving the door open for insurance companies to call all the shots.
Contingency fees also level the playing field. Think about it. With regulated attorney’s fees, you shouldn’t have to worry about a particular lawyer being “too expensive.” This gives you an opportunity to do your research and find the best candidate to help you.
A Workers’ Comp Attorney Can Potentially Help:
Move your case along quicker to get your payments started.
Negotiate a higher settlement than you may be able to on your own.
Obtain medical benefits the insurance company is denying.
Attain a measure of job security, if for example, the insurance company forces you to go back to a made up job, which may be disguised as “light duty,” “modified duty,” or “restrictive” employment. These jobs are sometimes eliminated later.
Give you added peace of mind knowing you have someone championing your rights against Big Insurance.
We know you’re hurting. Fortunately, North Carolina has a contingency fee structure in place that is designed to help keep your wallet from hurting too.
North Carolina Workers’ Comp Attorneys
Don’t let the thought of fees prevent you from potentially getting the legal and financial help you deserve.
If you’ve been injured at work, contact us online right away or give us a call at 1-866-900-7078. Let one of our workers’ comp attorneys – six of whom are North Carolina Board Certified Specialists in Workers’ Compensation Law – evaluate your situation for free!
If you’ve been injured on the job and are now out of work, you may be struggling financially. It’s often difficult to find information about the smartest route to take – applying for unemployment or for workers’ comp.
Workers’ comp is the obvious choice, particularly if your employer wants to keep you on as an employee after you’ve healed.
However, you may have heard that workers’ comp claims can take a long time to process, and are sometimes, after a long deliberation process, outright denied. That means you could wait for weeks for a verdict on your claim – only to find out no checks are forthcoming.
On the other hand, filing for unemployment, while it can be processed much more quickly, generally nets you far less money to pay your bills. And you may not even be eligible for unemployment. In North Carolina, you are only eligible for unemployment if you worked 12 out of the last 16 months.
What Is the Monetary Difference Between Unemployment and Workers’ Comp?
(Please note that all figures in this article are for the purposes of illustration. They are not a guarantee of the actual monetary amount you will receive if you apply for either unemployment or workers’ compensation).
Unemployment Benefits
In North Carolina, your weekly unemployment benefits are calculated by adding up your wages in the last two quarters of the base period and dividing that amount by 52. That figure determines what your weekly unemployment check will be. (Currently, the most you can receive each week is $350 per week.)
For example, if you earn an annual salary of $40,000, your last two quarters would be approximately $20,000. Dividing that by 52 you get approximately $384.61, so you’d receive the maximum weekly unemployment check of $350 a week – less than half the salary you’d formerly been relying on.
Workers’ Comp Benefits
By contrast, a successful workers’ comp claim is two-thirds of your average weekly wage for the year prior to your injury. If you’ve worked for the employer for less than a year, they would use your earnings up until the date of injury. In our scenario where your salary is $40,000/year, the amount of your weekly checks would be about $513 – much better than the $350 from unemployment.
Applying for both unemployment and workers’ comp benefits will almost certainly lead to being denied both. Consult with an experienced workers’ compensation attorney to discuss your situation.
Can You Apply for Both Unemployment and Workers’ Comp?
Are you allowed to apply for both unemployment and workers’ comp – as a sort of safeguard in case one doesn’t come through?
The short answer is yes, you can. The long answer is: yes, you can, but you really shouldn’t without solid legal representation, because if you don’t handle the situation exactly right, you could find yourself being denied for both!
Learn More: Can I get workers’ comp and Disability at the same time?
What Makes Applying for Both Such a Tricky Scenario?
Unemployment benefits are designed to help you pay your bills when you lose your job. Workers’ compensation replaces your wages at your existing job when you can no longer work because of an on-the-job injury.
Collecting workers’ comp and unemployment is not legal for one simple reason: workers’ comp implies that you still have a job, even though you’re not currently performing your duties because of an injury. In the eyes of the state you do not qualify for unemployment since, technically, you are still employed.
That said, workers’ comp claims can take some time to process, and you don’t know whether your claim will be granted or denied. During that time, when you’re waiting for your workers’ comp claim, you may be able to collect unemployment to cover your bills – with some serious caveats.
You can apply for unemployment in North Carolina while your claim for workers’ comp is being processed and you may receive benefits up until the point that your workers’ comp claim is granted. This can be the best option for many people, since workers’ comp claims can take some time to process, and in the meantime, of course, you need to keep a roof over your head.
We strongly recommend that you have a qualified workers’ compensation lawyer handle this scenario for you.
How Can a Workers’ Compensation Lawyer Help Maximize Your Unemployment Benefits?
A lawyer can help make sure you’re not accidentally setting off alarm bells at the various agencies processing these claims. In many cases, employees who apply for both workers’ comp and unemployment are seen as attempting to defraud the system, and you want to avoid that at all costs. We’ve seen a lot of people who applied for both without representation, and were denied because the agencies may have assumed they were trying to double dip.
When attempting to collect unemployment while waiting for workers’ comp results correctly and legally, you won’t actually be receiving double benefits. And with the aid of a lawyer, the state of North Carolina will have no reason to think you’re attempting to do so.
If your workers’ comp claim is accepted, you will be entitled to disability checks dating from one week after the date your injury – which is to say, checks that cover a period of time that has already passed while the claim was being processed.
If you’ve been collecting unemployment during this time (which is legal), you would effectively be in the position where you were collecting unemployment and workers’ comp checks during the same period of time (which is not legal). To ward off any likelihood of double dipping, your workers’ comp insurance carrier is typically given credit for the amount of unemployment benefits you’ve already received.
Once again, this is a situation where a lawyer can be extremely beneficial. The deduction for credit against your workers’ comp benefits is not absolute and has to be approved by the North Carolina Industrial Commission. You’ll want a solid legal team behind you to be sure the final accounting comes out properly.
NC Workers Comp Attorneys Can Evaluate Your Claim – FREE
If you’ve recently been injured on the job and aren’t sure whether filing for unemployment or workers’ comp – or both (with legal support) – is best for you, please contact us online or give us a call toll free at 1-866-900-7078.
We work on a contingency fee basis to help our clients figure out the best options for their situation, and we may be able to help you determine what course of action is most likely to keep food on the table and lights on overhead while you recover from your injury.
But many parents have initially been afraid of involving an attorney because they believe their child’s absentee mom or deadbeat dad might suddenly appear once they hear their child might be entitled to a settlement. Those fears are often well-founded, but the right attorney can help try to make sure funds go where they’re really needed.
Two Circumstances Which Can Immediately Exclude the Other Parent
We’ve seen our share of cases where the parent handling the case does not want the other parent involved. Oftentimes it takes some compromise, but there are two legal scenarios we’ve utilized to keep the other parent out of the equation:
A parent must be on the birth certificate in order to be involved in the case. If the other parent is not on that document, then he or she cannot be involved – period. That is why we would advise you to give a copy of the birth certificate to your attorney as soon as possible.
A Court document granting the signing parent sole custody. This means that a judge previously signed an order after a hearing, and determined that the legal and physical custody of the minor belongs solely to one parent. A copy of this documentation should also be given immediately to your attorney.
If neither situation exists, then the insurance company can legally require the other parent to be involved or sign off prior to completion of the settlement. But there are ways to reduce the risk that a parent will affect a minor’s personal injury claim.
Cases involving minors are often very complicated with much at stake. If your child has been injured in an accident, call us today to see how a James Scott Farrin attorney can fight for you.
Keeping the Other Parent Out of Decisions – Guardian ad Litem
If you can’t provide legal documentation of custody, but still don’t want participation from the other parent, you may be able to ask your attorney to hire a “Guardian ad Litem.”
A Guardian ad Litem is either a trained community volunteer or, more likely, a licensed attorney, without interest in the outcome of the case. This person is appointed by the Courts to investigate and determine the best interests of any child who is the subject of a Court case.
A Guardian ad Litem’s opinion is generally weighted more heavily because he or she is a neutral party with no investment in the outcome of the case.
This is a good option for parents who are both involved in their child’s life, but cannot agree with one another on how to proceed. In this situation, it would be best for both parents to agree that a neutral third party, i.e., a Guardian ad Litem, be appointed to handle the matter.
However in the case of an absentee parent, such as an incarcerated or transient parent, you will likely have to show documentation that the parent has generally had no interest or role in the minor child’s life.
How North Carolina Laws Protect Your Child’s Settlement
Most parents in these situations fear the other parent will try to siphon money from the minor’s settlement proceeds. Fortunately, North Carolina courts have considered this possibility.
To protect a minor’s settlement, the State requires that settlements for minors, over a certain amount, be placed with the Clerk of Court to be held in trust for the benefit of the minor until the minor turns 18 years of age. The settlement may also, if large enough, be invested and form a structured settlement with the Court’s approval. If the minor’s settlement is approved by the Court, then the minor’s portion of that settlement is placed with the Clerk of Court until age 18. At that time the minor can request that the Court release his or her settlement proceeds after showing valid identification, proof of address, and allowing the Court time to process the request.
Reimbursing You for Medical Expenses
A parent has no claim to the settlement proceeds of a minor with the exception of out of pocket medical expenses paid by that parent. A parent may request at the Court approval hearing that a judge order reimbursement to that parent by showing proof of payment of such expenses. It is ultimately the judge’s decision as to whether the parent is reimbursed and for what amount.
A parent’s claim for expenses is not a separate claim and will come directly from the minor’s portion of the settlement. Because there is no separate pot of money with which to reimburse a parent for a minor’s medical expenses, a judge will not make this decision lightly and will weigh all factors available, including, but not limited to, the minor’s injuries, age, permanent impairment, future medical needs, as well as the amount of the settlement.
Insurance Company May Use Your Situation Against You
We have seen some insurance companies try to use the fact that another parent is involved to delay settlement or settlement negotiations, especially if the insurance company is contacted by the other parent directly, or the other parent hired an attorney.
However, your attorney can try to help you overcome these obstacles in several ways, including hiring a neutral Guardian ad Litem, and/or by working directly with counsel hired by the other parent to protect the child’s best interests.
Either way, your attorney should not let an insurance company prejudice your child’s rights by delaying settlement negotiations or refusing to settle due to the involvement of another parent.
North Carolina Car Wreck Attorneys
We’re attorneys, but we’re also parents. We understand that sometimes you have to fight tooth and nail for your child’s best interests – and we’d like to do that on your behalf.
If we have to fight to keep the other parent at bay, we will pull out the tools in our legal toolkit to try to make that happen.
Attorney at Law magazine once referred to the big bright sign that beams Law Offices of James Scott Farrin above our Durham office building as “empowerment” that’s just a phone call away.
This light shines as a beacon over a diverse community. Based on my experience, nowhere is empowerment welcomed as much as in our Spanish-speaking community.
As a firm, and individually, we are very involved in providing both legal and community services to the Hispanic/Latino community. Why? Because many of us have ties to this community. And we know firsthand that people often try to take advantage of those who only speak un poquito English.
Here’s just one example of a coworker’s story:
“I remember a case I handled for a Spanish-speaking client. When I called the adjuster, he told me they already settled the case for a few hundred dollars. The client had no idea. I requested copies of what my client signed, and the explanation the adjuster gave him. It turns out, the insurance company did not offer any explanation to my client in Spanish that he was settling the case. When confronted, the adjuster admitted this was not the correct procedure, and we were able to reverse the settlement.1 Unfortunately, this happens all the time. Some insurance companies take advantage of someone who is not fluent in English, and coerce injured people to closing their cases without knowing it. We insist the insurance company follow all the legal steps, and offer an explanation every step of the way – in your language.”
That’s the kind of in-your-face satisfaction that gets me out of bed in the mornings and motivates me to come to work every day. While many of us speak fluent Spanish, even more regularly volunteer in the Hispanic/Latino community in an effort to help empower this community. I don’t know the exact statistics, but I believe we are a leading law firm in North Carolina when it comes to the number of employees who speak fluent Spanish, and who regularly do pro bono and other community work within the Hispanic/Latino community.
Within our 15 offices, we have:
More than 30 bilingual employees
More than 35 attorneys, 4 who are fluent in Spanish
Our Dedicated Latino Affairs Committee Is Very Active
Our firm’s Latino Affairs Committee is an informational bridge supporting our Spanish-speaking neighbors – helping direct them to appropriate agencies and resources when they need services, advice, and referrals. A cornerstone of this bridge is our membership in El Centro Hispano, an organization dedicated to serving more than 11,000 Hispanic/Latino residents in greater Durham. We partner with many organizations that cater to the Spanish-speaking population, including the Mexican Consulate and the North Carolina Advocates for Justice (NCAJ). There are so many – too many to list! Here are just a few of the organizations and events we were recently involved in:
Please note: This list only comprises our “official” services during 2015. Many of our employees, and our Spanish-speaking attorneys, Rick Fleming and Iare involved in numerous service activities apart from the firm.
The Law Offices of James Scott Farrin has dozens of bilingual employees as well as attorneys who speak fluent Spanish. Call 1-866-900-7078 for a free case evaluation.
Fiesta de Salud
We participated in Fiesta de la Salud. This organization helps educate the Hispanic/Latino community about Durham’s health resources and provides free on-site screenings for blood pressure, glucose levels, body mass index, cholesterol levels, flu vaccines, and HIV/STD. At the most recent event, it was touching to hear many of the kids say they wanted to become attorneys!
MUJER, Preparate Para el Exito
Mujer, Preparate Para el Exito helps motivate and prepare women for success. In 2015, the inaugural year, we were the main sponsor of this event, which covered:
Our firm was built on taking a stand against discriminatory injustice. In one of the largest civil-rights cases in U.S. history, we led a team of law firms to recover $1.25 billion1 for farmers who’d been discriminated against by the United States government because of the color of their skin.
Lies, Lies, and More Lies
You wouldn’t believe some insurance companies’ shameful lies and deceptive practices our Spanish-speaking clients have endured. Some undocumented clients who had been hurt at work were fired and told they couldn’t receive WC benefits. That’s a lie.
In auto accident cases, some clients were offered much less money just because they were Hispanic/Latino. Why? Because the insurance company was betting that they’d probably rather not go to court. Some insurance companies have told our undocumented clients that because they were driving without a license, the accident was their fault. Another lie. Or because their license had expired, they couldn’t file a claim, or they didn’t qualify for the same benefits as citizens. The lies go on and on!
We deal with these situations every day – and we know how to fight for our Hispanic/Latino clients and the benefits and compensation they may deserve.
And in most cases, we can help regardless of immigration status.
We Are Widely Recognized for Our Skill and Dedication
Our firm and attorneys have won awards, authored books, spoken at seminars, been featured on public radio, TV, and nearly 100 newspapers and websites. And several of our attorneys are NC Board Certified Specialists in their respective areas of practice – the highest designation many North Carolina attorneys can achieve.
North Carolina Law Firm Can Evaluate Your Claim FREE – in Spanish
If you are injured in an accident, we recommend that you speak with an experienced attorney. We are available 24/7/365. Our investigators can come to your home, work, hospital, or place of your choice – any time, including weekends. If you need someone who speaks Spanish to help you, just ask. We’ve got that covered, too!
¿Por qué nos tomamos personalmente la lucha por un trato justo para los hispanos?
La revista Attorney at Law, una vez se refirió al letrero grande y luminoso que lee James Scott Farrin y está en lo alto de nuestro edificio en Durham como “empoderamiento” a tan sólo una llamada.
Esta luz brilla como un faro sobre una comunidad diversa. En base a mi experiencia, en ninguna parte se da la bienvenida al empoderamiento tanto como en nuestra comunidad de habla hispana.
Como firma, y de manera personal, estamos muy involucrados en la prestación de servicios tanto legales como comunitarios para la comunidad hispana/latina. ¿Por qué? Debido a que muchos de nosotros tenemos vínculos con esta comunidad. Y sabemos de antemano que a menudo algunas personas tratan de tomar ventaja de los que sólo hablan un poquito de inglés.
Aquí esta sólo un ejemplo de una historia de un compañero de trabajo:
“Recuerdo un caso que manejé para un cliente de habla hispana. Cuando llamé al ajustador de seguros, me dijo que el caso ya se había negociado y cerrado por unos pocos cientos de dólares. El cliente no tenía idea. Solicité copias de lo que mi cliente había firmado, y la explicación que el ajustador le había dado. Resulta que, la compañía de seguros no ofreció ninguna explicación a mi cliente en español sobre la liquidación del caso. Cuando lo confronte, el ajustador admitió que este no era el procedimiento correcto, y fuimos capaces de revertir este desembolso.1 Por desgracia, esto sucede todo el tiempo. Algunas compañías de seguros se aprovechan de alguien que no habla inglés fluidamente, y presiona a las personas lesionadas a cerrar sus casos sin saberlo. Nosotros insistimos en que la compañía de seguros siga todos los pasos legales, y ofrezca una explicación detallada paso a paso – en su idioma”.
Ese es el tipo de recompensa que me motiva a salir de la cama y venir a trabajar todos los días. Muchos de nosotros hablamos español con fluidez, y somos voluntarios en diferentes eventos en la comunidad hispana/latina en un esfuerzo por ayudar a dar mayor poder a nuestra comunidad. No conozco estadísticas exactas, pero sé que somos una firma líder en Carolina del Norte, en cuanto al número de empleados que hablan español, y que regularmente hacen trabajo pro bono y otros tipos de trabajo dentro de la comunidad hispana/latina.
Dentro de nuestras 15 oficinas tenemos:
Más de 30 empleados bilingües
Más de 35 abogados, 4 de ellos hablan español
Nuestro Comité de Asuntos Latinos es muy activo
El comité de Asuntos Latinos de nuestra firma es un puente informativo para apoyar a la comunidad de habla española – ayudarles a encontrar las agencias y los recursos adecuados cuando necesitan diferentes servicios, asesoramiento y referencias. Una piedra angular de este puente es nuestra membresía con El Centro Hispano, una organización dedicada a servir a más de 11,000 residentes hispanos/latinos en Durham. Nos hemos asociado con muchas organizaciones que atienden a la población de habla española, incluyendo el Consulado Mexicano y North Carolina Advocates for Justice (NCAJ). Son muchas – demasiadas para enumerarlas. Aquí están sólo algunas de las organizaciones y eventos en lo que hemos participado recientemente:
Por favor, tome en cuenta que esta lista solo comprende los servicios “oficiales” durante el 2015. Muchos de nuestros empleados, y nuestros abogados de habla hispana, Rick Fleming, Cali Schmitt, Gabe Talton y mi persona, estamos involucrados en muchas otras actividades fuera de la firma.
Clínicas de ciudadanía – Próximamente!
Por cuarto año consecutivo nos hemos asociado con el Centro Hispano y NCAJ para brindar a residentes permanentes la oportunidad de convertirse en ciudadanos estadounidenses. Les ayudamos a llenar las solicitudes de ciudadanía de forma gratuita, los solicitantes usualmente se ahorran de $500 a $1,500 en costos de abogados. Varios de nosotros hemos emigrado a América, por nuestra propia cuenta y apreciamos la oportunidad de ayudar a otros a convertirse en ciudadanos estadounidenses.
Fiesta de la Salud
Participamos en el evento Fiesta de la Salud. Esta organización ayuda a educar a la comunidad hispana/latina sobre los recursos de salud en Durham y ofrece un servicio gratuito durante el evento para medir la presión arterial, los niveles de glucosa, el índice de masa corporal, los niveles de colesterol, y también vacunas contra la gripe y el VIH/ETS. En el evento más reciente, fue emocionante escuchar a muchos de los niños decir que querían ser abogados!
MUJER, Prepárate Para el Éxito
Como su nombre lo indica, Mujer, Prepárate Para El Éxito ayuda a motivar y preparar a las mujeres para el éxito. En el 2015, el año inaugural, fuimos el principal patrocinador de este evento, que cubre:
Desarrollo de liderazgo
Bienestar emocional y autocuidado
¿Cómo iniciar y sostener su propio negocio
Motivación
WRAL’s Hola NC
En ocasiones he participado como invitada en WRAL TV en el programa Hola NC. Si usted se perdió mi más reciente segmento sobre qué hacer después de un accidente de coche, haga clic en este enlace para que lo vea click here.
Una Postura Fuerte Contra la Discriminación
Nuestra firma fue construida en base a tomar una posición en contra la discriminación. En uno de los mayores casos de derechos civiles en la historia de EE.UU., lideramos un equipo de bufetes de abogados para recuperar $1.25 billones1 para los agricultores que habían sido discriminados por el gobierno de los Estados Unidos por el color de su piel.
Mentiras, Mentiras y más Mentiras
No podrá creer las mentiras y mañas tan vergonzosas que usan algunas compañías de seguros y que nuestros clientes de habla hispana han tenido que aguantar. Algunos clientes indocumentados que se lastimaron en el trabajo fueron despedidos y les dijeron que no podían recibir los beneficios de compensación laboral. Eso es una mentira.
En casos de accidentes de automóviles, a algunos clientes les ofrecieron mucho menos dinero sólo porque eran latinos/hispanos. ¿Por qué? Debido a que la compañía de seguros piensa que probablemente preferirían no ir a la corte. Algunas compañías de seguros les han dicho a nuestros clientes indocumentados que debido a que estaban conduciendo sin licencia el accidente fue su culpa – otra mentira. O porque su licencia había expirado, no podían presentar una reclamación, o que no califican para los mismos beneficios que los ciudadanos. ¡Las mentiras siguen y siguen!
Nosotros manejamos estas situaciones todos los días – y sabemos cómo luchar por nuestros clientes hispanos/latinos y los beneficios y compensaciones que pueden merecer.
Y en la mayoría de los casos, podemos ayudar sin importar su estatus migratorio.
Somos Reconocidos Expertos
Nuestro bufete y nuestros abogados han ganado varios premios, publicado libros, participado en seminarios como panelistas, han sido invitados en la radio y televisión, y han aparecido en reportajes en cerca de 100 periódicos y páginas web. Además varios de nuestros abogados son especialistas certificados por la Asociación de Abogados de Carolina del Norte en sus respectivas áreas de práctica – esta es la designación más alta que un abogado de Carolina del Norte puede lograr.
Bufete de Abogados de Carolina del Norte puede evaluar su reclamación GRATIS – en Español
Si se lesiona en un accidente, es recomendable que hable con un abogado con experiencia. Estamos disponibles 24/7/365. Nuestros investigadores pueden llegar a su casa, trabajo, hospital o lugar de su elección – en cualquier momento, incluyendo fines de semana. Si necesita alguien que hable español para ayudarle, sólo déjenos saber. Lo tenemos todo bajo control!
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If you’ve been injured on the job and are now out of work, you may be struggling financially. It’s often difficult to find information about the smartest route to take – applying for unemployment or for workers’ comp.
