Overseas Contractors Workers Compensation
“When I seek out professional advice, I want advice straight-up. With no B.S. What about you?”
Overseas Civilian Contractor Lawyer Bill Turley
What Civilian Contractors Need to Know About Overseas Injuries and how to get workers compensation benefits
Overseas workers and Government contractors that are injured overseas need to obtain workers’ compensation benefits for their injuries and/or disabilities. If you are a civilian contractor that was injured while overseas you need to know about overseas contractors workers compensation.
In this article I cover what civilian contractors need to know about overseas injuries and overseas contractors workers compensation system and what benefits you can receive as an injured overseas civilian contractor.
The first thing you need to know about overseas contracting workers compensation means that you will be dealing with an insurance company in order to get medical benefits and weekly compensation benefits. How you deal with the insurance company is one of the main areas you need to understand.
"Insider Secrets" - you're not going to hear anywhere else
I also go into some “insider secrets” that you will need to know in order to make sure that you get the Defense Base Act benefits that you and your family deserve. Don’t think that just because you got injured and you have a legitimate injury that you will get DBA benefits or that you’re DBA benefits won’t get stopped. Because that would be a BIG mistake.
Most other overseas civilian contractor lawyers either don't know about this or they don't want to tell you, because they think that they're are "giving it away" if they put it out on the Internet. You'll see that I'm not worried about giving you great information. I want you to win. So, I suggest that you pull up a chair and stay awhile.
In the beginning of this article I cover the more basic information on what civilian contractors need to know about overseas injuries and workers compensation for for overseas contractors. Towards the end of the article I get into the more "insider" stuff that you aren't going to read anywhere else.
Workers' Compensation Coverage for Overseas Workers and Government Contractors
Most workers in the United States are covered by workers’ compensation benefits if they are injured while working. So are overseas workers and government contractors.
U.S. Federal law requires all United States government contractors and subcontractors working overseas must obtain workers' compensation coverage for their civilian employees. The workers compensation coverage for overseas workers and government contractors is called Defense Base Act insurance or Defense Base Act coverage.
What is the Defense Base Act?
The Defense Base Act (DBA) is actually an extension of the Longshore and Harbor Workers Compensation Act. It is a federal workers compensation program. It was originally intended to provide workers compensation coverage and benefits to civilian contractor workers that worked in overseas military bases. It was then expanded to include all employees of contractor and sub-contractors working on contracts of the U.S. Government.
Who is covered under the Defense Base Act? Am I covered under the Defense Base Act?
All employees of contractors and sub-contractors that have contracts with the U.S. Government, U.S. military and/or U.S. State Department. Thus, all of the overseas civilian contractors in Afghanistan, Iraq, Middle East and other places around the world are covered under the DBA.
Another thing that you should know about the DBA workers compensation is that you don’t have to be actually working in order to qualify for benefits. If you’re injured while you are overseas, whether it be while you are doing recreational activities, walking to the store, taking a taxi, or even slipping and falling while you’re in the shower - then you probably qualify for DBA benefits. This is called the Zone of Special Danger Doctrine.
What are the benefits under the Defense Base Act?
A lot to chew on so far
If you check out the links that I have put in this article fo far, you'll be way ahead of the game. But, I like to over deliver - so here goes. Now, let's get into the stuff that you're not going to hear anywhere else. But I have to warn you. I'm not about telling people what they want to hear, just to make them happy. There are plenty of lawyers that you can find that will blow smoke and tell you life is like a happy song.
Instead, I'm going to give you the facts of life. It will make both you and you're case stronger. Sort of like bad tasting medicine.
I suggest you listen up.
You're up against an insurance company that is going to do whatever it takes not to have to pay you the money you are entitled to under the DBA
This is where you need to start. The DBA insurance industry is a cut-throat industry dominated by billion dollar insurance companies. They underbid each other for DBA coverage for overseas contracting companies. Thus, the way that they make profits is by not paying DBA insurance claims. Yes, claims just like yours.
So, what they do - - they deny legitimate claims. All the time. In order to support their denial of claims they have tricks and traps that well meaning folks fall for. They're really good at getting honest folks to say and do the wrong things. They are going to use your mistakes to attack you. Namely, to attack your credibility.
Make no mistake about it - they are all about destroying good people.
Always tell the truth
You always have to tell the truth. The DBA insurance company is hoping you will lie, fib, exaggerate, embellish, and/or distort about things. Anything. Because when you do they will try and destroy your credibility. When that happens - you will lose. Depend on it. I know I do.
Strength vs. Weakness
Here is more "truth" about Defense Base Act case. If you want to get what you are entitled to under the DBA - you have to be ready and able to take your case to court. You have to be prepared to win. If you're going to be able to settle your case, you MUST negotiate from a position of strength. You don't do that unless you are prepared to win in court.
Just because you have a legitimate case doesn't mean that you won't get attacked (and have your benefits denied by the DBA insurance company)
One of the key and important parts of my book Win Your Defense Base Act Case, is helping you to navigate the minefield that the DBA insurance company is going to lay out to destroy your case. What you probably don't know is that the DBA insurance company has tricks and traps that folks just like fall for every day.
Just because you have a legitimate injury and a legitimate DBA case, doesn't mean squat to them. They make profits denying cases. By not paying benefits.
They know that if the Judge doesn't believe you, that you'll lose. So, it's all about finding ways to discredit you and your evidence. Here is a good article on DBA evidence - what evidence you're going to need to prevail.
"I have a legitimate case, I'm telling the truth, so I'm good"
You might be thinking, "I have a legitimate case, I'm telling the truth, I'm good." However, that isn't the case. Not even close. Because of this, I wrote the book - Win Your Defense Base Act Case. You can buy it on amazon.com or get your free copy here. Up to you. Just read the book BEFORE you do anything else.
Win Your Defense Base Act Case
Check out all the 5 Star Reviews on amazon.com.
You can order your free copy on this website. I strongly suggest you read my book BEFORE you sign any forms, give a recorded or written statement, talk to the adjuster or even hire the WRONG lawyer
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This article isn't legal advice
These discussions and/or examples are not legal advice. All legal situations are different. These testimonials, endorsements, photos and/or discussions do not constitute a guarantee, warranty, or prediction regarding the outcome of your legal matter, or your particular case/ situation. Every case is different. There are any number of reasons why DBA cases are not won and/or are not as successful as folks might have hoped for.
Just because we have gotten great results in so many other Defense Base Act cases, doesn't guarantee in particular result in other cases. Including, your DBA case. Every case is different.