EXPERIENCED CHATTANOOGA WORKERS COMPENSATION LAWYERS

A workplace accident can be a source of emotional and financial stress —and navigating a workers’ compensation claim during this time can be one too. At Wettermark Keith, you don’t have to go through it alone. We’re here to shoulder the legal burden so you can focus on recovery.

As one of the nation’s top personal injury law firms, we’ve helped countless families secure the compensation they deserve with compassion, clarity, and a focus on results. From your first consultation to the resolution of your case, our dedicated legal team will guide you every step of the way. Fill out our contact form, and we’ll take care of the rest—fighting for justice while you take the time you need to grieve.

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Fair Compensation is Your Right

A workplace accident is a difficult experience—one that leaves you with financial uncertainty. Under workers’ compensation laws, you may be entitled to benefits for lost income and the emotional toll the accident has taken on you and your family.

At Wettermark Keith, we believe you deserve full and fair compensation—and we know how to get it. Our experienced legal team understands the complexities of workers’ comp claims and will fight to ensure your family receives every benefit you’re owed. While you focus on healing, we’ll focus on holding the system accountable for your loss.

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You Don't Pay Unless We Win

The decision to pursue a workers’ compensation claim shouldn’t be determined by whether or not you can afford it. Compensation isn’t a privilege - it’s your right. At Wettermark Keith, we believe every family deserves strong legal representation, no matter their situation. That’s why we offer a no recovery, no fee guarantee. You won’t pay a dime for our services unless we win compensation for you.

We’re fully invested in your case from day one, because your safety matters!

What to Expect from a Workers’ Compensation Lawsuit

If you’re pursuing a workers’ compensation claim in Tennessee, understanding the legal process can help you feel more prepared and in control. While many claims are resolved without the need for a lawsuit, some cases—especially those involving denied benefits or serious disputes—may require legal action. Here's what you can expect:

The Legal Process and Timeline

A workers’ compensation lawsuit typically begins when benefits are denied or an employer/insurer fails to meet their obligations. After consulting with an attorney, your lawyer may file a petition with the Tennessee Bureau of Workers’ Compensation. The timeline varies depending on the complexity of the case, but most cases are resolved within several months to a year, either through a negotiated settlement or a hearing before a judge.

Gathering Evidence

Strong evidence is the foundation of any successful claim. Your attorney will help collect and organize key documents, including medical records, accident reports, witness statements, employment records, and expert evaluations. This information helps demonstrate the extent of your injury and its impact on your ability to work.

Proving Negligence (In Some Cases)

Unlike personal injury claims, traditional workers’ compensation cases don’t require proof of negligence—you’re entitled to benefits regardless of fault. However, if your case involves a third-party lawsuit (e.g., a subcontractor or equipment manufacturer), proving negligence may be necessary to recover additional compensation beyond standard workers’ comp benefits.

Negotiating with Insurance or Going to Court

Once your case is filed, your attorney will engage in negotiations with the insurance company. The goal is to reach a fair settlement that covers your medical costs, lost wages, and any long-term disability. If a reasonable settlement can’t be reached, your case may go to a formal hearing where a judge will decide the outcome based on the evidence presented.

What You Need To Know About Workers Compensation Laws in Chattanooga Tennessee

Navigating Tennessee’s workers’ compensation laws can feel impossible when you’re also trying to recover from a workplace injury. But you don’t have to do it alone. In Tennessee, any employer with five or more full-time or part-time employees is legally required to carry workers’ compensation insurance. This system is designed to protect you, providing access to medical care, wage replacement, and rehabilitation services—without the need to prove fault.

Eligibility for Workers Compensation

Most employees in Tennessee are covered by workers’ compensation from their very first day on the job. This coverage offers peace of mind and financial security when the unexpected happens. However, some workers—like independent contractors and federal employees—may not be covered and should seek personalized legal guidance to understand their specific rights and alternatives.

Reporting an Injury

The first and most important step in protecting your rights is reporting your injury or work-related illness to your employer right away. Tennessee law requires this to be done within 15 days of the incident or diagnosis. Acting quickly not only preserves your right to benefits but also helps ensure you get the medical treatment and support you need without unnecessary delays.

At Wettermark Keith, we’re here to help you every step of the way—with clarity, compassion, and a relentless drive to secure the benefits you’re entitled to.

Types of Workers Compensation Benefits

If you’ve been injured on the job, workers’ compensation is designed to provide the support you need to recover and maintain financial stability. Understanding the types of benefits available is essential to ensuring you receive the full compensation you’re entitled to. Here’s a breakdown of the key benefits workers may qualify for:

Medical Benefits

Workers’ compensation covers all necessary medical treatment related to your injury—from doctor visits and hospital stays to surgery, physical therapy, and prescription medications. As long as the treatment is provided or approved by an authorized physician, you shouldn’t have to pay out of pocket for your care.

Lost Wages & Future Earnings

If your injury prevents you from working, you may be eligible for wage replacement benefits. Typically, this includes a portion of your average weekly wages—usually two-thirds of your regular income. In more severe cases where you’re unable to return to your previous job or work at all, you may also be entitled to compensation for lost future earning potential.

Disability Benefits (Short-Term and Long-Term)

Workers’ compensation provides benefits for both short-term and long-term disabilities:

  • Temporary Disability Benefits are available if you’re expected to recover but need time away from work to heal. These benefits continue until your doctor clears you to return.
  • Permanent Disability Benefits apply when your injury results in a lasting impairment. This may include partial or total disability, depending on the extent of your limitations and how they affect your ability to work.

Whether your injury is minor or life-altering, knowing your rights and the benefits available to you is key. At Wettermark Keith, we’re here to help you pursue every dollar you’re owed—because you deserve more than just recovery; you deserve security.

How to File a Workers Compensation Claim

Filing a work compensation claim doesn’t have to be added stress. We’ve outlined the process for you, with all of the pertinent information you need to file a claim that gets you the compensation you deserve.

Step 1: Report the Injury Immediately

Notify your supervisor about the work-related injury as soon as possible. Tennessee law requires that you report the injury within 15 calendar days of the incident or when you become aware of it. Prompt reporting initiates the claims process and helps prevent delays in receiving benefits.

Step 2: Find A Physician You Trust

It’s important to seek medical attention right away. Prompt medical attention can help keep your injury from getting worse. Your employer is obligated to provide you with a panel of at least three physicians. Select one from this list to be your authorized treating physician. This doctor will oversee your medical care related to the injury.

Step 3: Keep All Documentation

Documentation is the key to winning your case. Keep all of your documents - medical info, communications with relevant personnel, paystubs, receipts and bills - in a single location for easy access.

Step 4: File A Claim

Once you report your injury, your employer is responsible for filing a workers’ compensation claim with their insurance provider. However, it’s important to confirm that this has been done—so don’t hesitate to follow up. While you're not required to file a formal claim immediately, Tennessee law recommends that you submit Form C-41 to the Tennessee Bureau of Workers’ Compensation within one year of your injury or the last benefit payment you received. Filing this form establishes your own official claim and helps protect your right to benefits.

Be prepared to cooperate and provide any additional info or documentation needed.

Step 5: Understand Your Rights

Take the time to understand the full range of workers’ compensation benefits available to you. These may include coverage for medical treatment, partial wage replacement while you're unable to work, and vocational rehabilitation services if you need help returning to the workforce. Knowing what you're entitled to is essential—it empowers you to recognize if something is missing and ensures you receive the full benefits you’re owed under the law. The more informed you are, the better equipped you'll be to protect your rights throughout the process.

Bonus Step: What To Do If Your Claim Is Denied

If your workers’ compensation claim is denied, don’t assume it’s the end of the road—you have the right to challenge that decision. Denials can happen for many reasons, but every denial includes the opportunity to appeal. Once you receive the notice, review it closely to understand why your claim was rejected and what steps are required to appeal.

This is where having an experienced workers’ compensation attorney can make a major difference. A skilled lawyer will guide you through the appeal process, ensure all paperwork is properly filed, and build a strong case on your behalf. Most importantly, they’ll fight to protect your rights and pursue the full range of benefits you’re legally entitled to receive.

Hear From Our Clients

"It is already hard going through the process of workers compensation, thanks to you I can trust the process!"

Kemba - WK Chattanooga Client

"Wow wow wow....top of the line from Channing to his staff to everyone be who was involved in my case . I could not of asked for a better more caring passionate about protection firm !!!....stayed in touch with me every step of the way and made the big company Answer for running over me. I would give these guys 10 stars if I could"

Billy K. - WK Chattanooga Client

"At this time in my life I had more on my plate than I could deal with. These attorneys stepped up and just handled my case without much help from me. They were on my case quickly and professional. They did a wonderful job."

Kathy H - WK Chattanooga Client

"They are awesome! Called them and same day my case was accepted!! I'm so glad to have called wettermark Keith person injury lawyers! And Jennifer, the lady who took my call, is very very sweet, and her customer service is excellent and they call back so fast!! I would definitely refer anyone to them!!"

Miranda - WK Chattanooga Client

"Amber is one of the sweetest people to let handle all of your information. I couldn't have asked for a better person to handle all of my mothers information"

Melinda K. - WK Chattanooga Client

Frequently Asked Questions

Yes. Under Tennessee law, you must report your workplace injury to your employer within 15 calendar days of the incident or diagnosis. While this starts the process, to protect your right to pursue full benefits, it’s also recommended to file a formal claim with the Tennessee Bureau of Workers’ Compensation (Form C-41) within one year of the injury or the last benefit payment received.

No. Workers’ compensation in Tennessee does not cover non-economic damages like pain and suffering. It is a no-fault system focused on covering medical treatment, lost wages, and disability benefits. If your case involves a third party (e.g., defective equipment or outside contractors), you may have grounds for a separate personal injury lawsuit where pain and suffering could be compensated.

Settlements are based on several factors, including:

  • Your average weekly wage
  • The extent of your injury
  • Whether you can return to work
  • Permanent impairment ratings from your treating physician
  • Future medical needs

These factors help determine the value of medical expenses, wage replacement, and disability benefits. An attorney can help ensure all your losses are accounted for in the settlement offer.

Yes, Tennessee law places certain caps on wage replacement and disability benefits, which are updated annually. These caps depend on your income and the severity of your injury. However, medical expenses related to your work injury are generally covered without a dollar limit—as long as they are medically necessary and provided by an authorized physician.

No. Tennessee law prohibits employers from retaliating against employees for reporting a workplace injury or filing a workers’ compensation claim. If you believe you were fired or treated unfairly because you exercised your legal rights, you may have grounds for a retaliation or wrongful termination claim.

Depending on your injury and ability to return to work, workers' compensation benefits may include:

  • Full coverage of medical expenses
  • Temporary or permanent disability benefits
  • Wage replacement (typically two-thirds of your average weekly wage)
  • Vocational rehabilitation if you can’t return to your prior job
  • Lump-sum settlements in cases involving permanent impairment

Every case is different, and the exact amount depends on the specifics of your injury and employment. An experienced workers’ comp attorney can help you pursue the full compensation you’re entitled to.