If you’ve been injured while working for Lowe’s, the corporation may be responsible for paying your medical bills and help you compensate for lost wages. You’re eligible for these benefits under Lowe’s workers’ compensation policy.
Workers’ compensation is an insurance policy that Lowe’s provides to employees in the event they’re hurt at work. If you face permanently disabling injury, you may be eligible for additional benefits.
Common Types of Lowe’s Injuries
Lowe’s is one of the nation’s largest home improvement stores, with 265,000 employees in the United States. Workers might fulfill one of the following roles:
- Sales associate
- Lot or freight attendant
- Lawn or garden center employees
As a member of the Lowe’s network, you may be vulnerable to many types of injury. As a warehouse-style store with a do-it-yourself approach, employees may be injured by:
- Heavy machinery. Workers often mix paint, make keys, and cut lumber or other household materials to order. Operating this machinery can lead to catastrophic injury, especially when you lack proper training.
- Repetitive motion. Cashiers and stockers may face injuries from repeatedly lifting or using the same hand motions.
- Loading or unloading heavy machinery from delivery trucks.
- Falls, including those from ladders or uneven areas of pavement.
This isn’t an exhaustive list. As a Lowe’s worker, you face the possibility of injury every day on the job, especially if a supervisor asks you to step out of your job description.
Workers’ Compensation Claims in Texas
Each state has its own rules for filing workers’ compensation claims, as well as the scope of benefits. Texas is the only state in the nation that does not require that companies carry workers’ compensation insurance for their workers. However, most large companies like Lowe’s carry workers’ compensation benefits for their workers, even though the law doesn’t require it. This helps you, as an injured worker, gain compensation for medical bills and a portion of your lost wages.
While this sounds appealing, there is a caveat: the law considers the workers’ compensation system as “no-fault.” This means you need not prove Lowe’s was legally liable for your injuries. You may be able to collect workers’ compensation benefits, even if you were partially at fault. No-fault systems also limit a beneficiary’s ability to sue the company for additional damages (i.e., a personal injury lawsuit).
Filing Your Lowe’s Workers’ Compensation Claim
If you’re injured in the course of your Lowe’s employment, tell a manager as soon as possible. Workers’ compensation policies require an injured worker report their claim within 30 days, but we suggest starting the process earlier. Your employer or insurance company may be suspicious if you file a claim days or weeks after you noticed symptoms.
After you file a report with your Lowe’s supervisor, they will tell you where you can get medical care. Some workers’ compensation insurance policies require you see a provider within their network, while others will allow you to see a doctor of your choosing. No matter where you seek medical care, be sure to tell your provider at your first appointment that you were injured at work.
Lowes then files a report to their insurance company, and that company decides whether to approve your claim. Even if you face a claim denial, you may still be able to file a dispute and appeal the decision.
The workers’ compensation system can be hard to navigate. If an insurance agent denied your claim or you feel your employer isn’t protecting your best interests, consider hiring a workers’ compensation attorney. These specialized lawyers can help with filing, disputes, and denials, allowing you to focus on your speedy recovery.