hammerpajama1
User Name: You need to be a registered (and logged in) user to view username.
Total Articles : 0
What Is Workers Compensation Workers compensation is a type of insurance that provides cash benefits and medical care for employees who are injured while working Its a program designed to safeguard employees and provide employers incentives to decrease the risk of accidents that occur at work The system is based upon the nature of the business its payroll and its history of workplace injury referred to as the rating of experience Its also regulated by state laws It pays for medical expenses Typically workers compensation insurance covers medical expenses and lost wages due to an injury sustained in the workplace The kinds of medical bills that are covered differ by state and state but typically include doctor visits emergency medical care hospitalization lifesaving medical care and surgery pain medications and rehabilitation therapy Many states have statutory limits for different types of treatment and in some instances the insurance company may require you to go for an independent medical exam This is a good way to determine if further treatment is necessary for your recovery from a workrelated accident In addition most states offer a mileage reimbursement rate that can be used in order to pay for travel and from appointments The amount of reimbursement can vary but it is usually less than 15 cents per mile Workers compensation also covers many medical procedures and treatments that arent covered by private insurance or Medicare The expenses include physical therapy chiropractic treatment massage therapy and Acupuncture The rules in your state and the Medical Guidelines issued by the Workers Compensation Board will decide the kind of treatment you can get In certain situations doctors can ask for an exception to these guidelines to get the treatment approved However this isnt always possible and in some instances treatments that are not approved by the Workers Compensation Board might not be covered at all Alternative treatments like biofeedback and acupuncture are not covered by most workers compensation plans It is important to report your injury immediately when you notice Also schedule an appointment with your doctor to discuss your claim It is easier to get your medical bills paid and to prove that your work was the cause of the injury You can also ask your employer or insurance company they have designated to provide a copy of your medical bills so that you can ensure that your treatment and costs are paid in full This will give you peace of heart that your treatment and related expenses are being properly handled and will enable you to focus on your recovery It compensates for lost wages Workers who are injured at work and are unable to return to work may be eligible for lost wage benefits These benefits are typically offered by insurance companies for workers compensation The formula that is used by many states to determine how much an injured worker is entitled to in lost wages is fairly typical This amount is determined by the average weekly income the worker was earning before they were injured This figure is not always exact and can be confusing Workers compensation was instituted in the 19th century in order to protect workers and provide cash benefits as well as medical care for injured or sick workers Certain states permit employees to sue their employers for injuries or illnesses they sustain while working Generallyspeaking an employee who sustains a minor injury must seek benefits within three days following the incident If a doctor determines that the employee is not able to return to work within 14days of the injury this time may be extended If the worker is temporarily disabled they may be eligible for compensation of twothirds of the average weekly wage up to the limit set by law This benefit is paid in the majority of states every two weeks until the employee fully recovers from injuries A claim for workers compensation can be a hassle and costly to resolve without the assistance of an experienced lawyer Employees who are injured must attend hearings before an adjudicator They must prove that the workplace accident was the cause of their impairment that they were not able to carry out their job and that they are unable to do so in the near future They must also prove that their illness or injury has affected their ability to earn an income The process can be lengthy and fraught with risk for workers who are not represented as the insurance company that covers the employer will often hire lawyers to defend the claims The statewide Workers Compensation Board oversees all claims of workers compensation and these claims are analyzed by the Board and its judges as well as an appeal system To prove their claims for lost wages or other benefits injured workers must be able to prove their case which includes medical records and the testimony of doctors It is a benefit for permanent disability An illness or injury that is caused by work can be devastating It could cause you lose your job and you could be in a difficult spot financially Workers compensation is a way to cover lost wages and medical expenses until you are able to return to work The type of disability benefits that you receive will depend on the severity and nature of the injury Cash payments can be made for temporary disabilities permanent partial disabilities or permanent total disabilities Temporary total disability TTD is awarded when an injured workers workplace accident is preventing them from returning back to the job they held before the injury TTD benefits are usually canceled when a doctor states that the injury suffered by the worker has not become permanent or when the worker is able to fully recover and be back at work Permanent partial disability PPD is awarded in the event of an impairment to their physical body that restricts their ability to perform work but does not completely disable them The workers ability to perform the job is what determines the amount of PPD benefits These PPD benefits can be a combination of cash and medical benefits and will last as long as you need them It is important to keep in mind that these benefits arent easy to understand and a skilled workers comp attorney can help you navigate the system In determining the amount of permanent disability benefits the workers compensation commission considers your age profession and limitation of motion It also considers your pain and the effect your disability has on you life After youve been deemed eligible for permanent disability ratings The compensation board assigns an amount of your earnings to reflect the percentage of your earning capacity that was hampered by your condition If you have a 100 impairment rating of 80 due to an injury to the back will be eligible for 350 weeks of disability benefits for permanent impairment Typically workers compensation attorney huntsville will issue your PD check within two weeks of a doctors finding that you suffer from permanent disabilities The amount of the payment is determined by 60 of your average weekly earnings It pays for death Workers compensation is a way to pay for funeral expenses and other associated expenses of your loved one regardless of whether they passed away due to a work accident or occupational illness In addition to funeral expenses workers compensation may also cover medical bills which were incurred prior the worker passed away In most states death benefits are paid out in installments based on the percentage of the workers weekly average before they died The percentage can vary from one state to the next but generally its between twothirds and threefourths of the workers average weekly salary with minimum and maximum amounts These benefits are usually given to the spouse of the deceased or a relative of the worker and can be paid in addition to burial fees In certain cases cashbased payments might be made available to the remaining child The person seeking compensation will determine the amount of the benefits A child or spouse who is surviving is considered to be a total dependent if they lived with the deceased at the time of death If they did not reside with them they are considered partial dependents and can be qualified for death benefits only if they can prove that the deceased worker gave them substantial financial benefits Other dependents for example siblings and parents are considered dependent if they relied on the deceased for a significant portion of their financial support prior to their death Partly dependents are given a pro rata share of the total death benefit payout that is based on how much they rely on the deceased The death benefits cant be paid in installments instead they are paid as an allin lump sum The lump sum is twothirds the workers average weekly wages and is paid until a certain time or number of years have been completed The states laws limit the amount of money that dependents of the deceased worker are entitled to in these months and over the years
