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What Is Workers Compensation Insurance Workers compensation is a form of insurance that provides cash benefits and medical care for those who are injured or sick due to their work These systems were created in order to assist employees and help employers to work in a safe manner Workers comp is a no fault system that allows employees not to need to prove that their employer was accountable for their injuries Instead they are paid an appropriate and prompt payment for injuries or illnesses It covers medical expenses Workers compensation pays for medical expenses and a portion of wages lost as a result of workrelated injuries or illnesses Workers who die by accident or illness on the job can also receive funeral and burial costs The amount an employee gets in workers compensation benefits is determined by several factors including the nature and severity of their disability Premiums are also influenced by the cost of medical treatment and the number of claims You must inform the Workers Compensation Board within a certain time frame if your goal is to be qualified to receive benefits from workers comp If you fail to notify the Board of your injury immediately then you could lose all or a portion of your benefits and wages until your claim is approved by the Board Selfinsured state bodies and insurance companies often collaborate to accelerate the process of getting medical treatment and compensation for injured workers They will assist employers in filing an first notification of injury with the state agency that oversees workers compensation in their state This step can be a trigger for the claim process Many states have medical treatment guidelines that allow doctors and other health care professionals to get authorization for most of the treatment they provide for common injuries This reduces the amount of the money that employers are required to pay for medical treatment and treatments It also reduces time because it doesnt have to require medical records to be submitted directly to insurance companies However in certain states it is possible for a medical practitioner to bill an insurer for a treatment not authorized by the workers comp system These bills are referred to as balance billing Your doctor or you can ask the Board to review the denials and make the decision on whether treatment is warranted to be paid An attorney can streamline the process and assist you complete all paperwork required by the workers compensation system In addition an attorney can help you in negotiating with insurance companies to receive medical care that is covered by the workers comp program It compensates for lost wages Workers compensation pays medical expenses and lost wages for anyone who is injured or falls sick on the job It also covers the family of those who have been killed or injured while on the job A person is eligible for these benefits by filing a claim with the states Workers Compensation Board You can appeal your claim to the Workers Compensation Appeal Commission Workers Compensation will pay you a certain amount depending on your health and the amount of money you earned prior to the accident In general your claim will be refunded as an amount of your earnings at the time of your injury You can receive twothirds of your Average Weekly Wage in most cases subject to the laws maximum amount The benefits you receive are usually available until your doctor determines that you can return to work at some point and at that point the payment stops You may also be eligible for Temporary Total Disability TTD or Temporary Partial Disability TPD if the doctor decides that you will be unable to work after your injury or illness These payments will be based on your weekly wage at the time of your accident or illness Another benefit is Reduced Earnings that can be a benefit if you work less than you normally would due to injury or illness This is a great method to save money on wages when your employee is out of work Often the loss of pay from an injury or illness can be difficult to bear It is possible that youll not be able make your mortgage payments or pay your electricity bills The workers comp insurance company will require you to prove your income at the time of your injury This could be the pay stub for your pay payroll records or any other proof of your earnings before your accident or illness In addition you should provide medical documents regarding your injuries or illnesses These documents can be used to prove the severity of your illness or injury and how long you were off work It is a benefit for permanent disability Workers compensation covers medical expenses wage loss and death in the case of an employee being injured or suffers illness while at work It also provides longterm disability impairment income to compensate injured workers suffering permanent effects from their injuries that keep them from working Permanent disability ratings are determined by workers compensation insurance providers in accordance with the extent to which an injury affects a workers ability to work and earn These ratings are performed by independent professionals A medical examination is required for the rating process A medical impairment report is completed by the doctor that assesses the effect of the employees condition on their work future earning potential and other aspects Depending on the severity and the extent of an employees disability they may be granted temporary partial disability or permanent total disability or permanent total disabilities Generally those with a permanent total disability receive twothirds of their typical weekly pay up to a maximum set by the state Partial disability payments are awarded workers who are able to complete certain tasks but are unable to do them as fully as they used to This can occur in cases of sprains or fractures and other injuries that affect an area of the body In Illinois for instance workers who are permanently disabled due to the loss of one hand can receive the permanent partial disability benefit of 205 weeks or 60 percent of the workers weekly salary which is about 360 Many states also allow employees to be granted permanent partial disability when they suffer a disfigurement which is a severe and permanent change in the appearance of a person because of their injury The changes could be due to scars caused by a burn cut or other workrelated injury If youre awarded a permanent partial disability you must agree to an evaluation of your condition by an independent medical professional These are referred to as Impairment Rating Evaluations or IREs An experienced professional completes the IRE to determine if the impairment is severe enough that you are eligible for permanent disability This is a crucial step in determining whether you are eligible for longterm disability benefits After the IRE has been completed the worker will be able to decide if they wants to apply for permanent disability benefits If the disability is significant the worker may also apply for a lump sum of an amount of their total benefit amount It pays for death When a worker dies of an accident at work their family may be entitled to workers compensation death benefits These benefits can be used to aid the spouse or children and help pay for funeral and burial costs Every state has its own laws regarding the amount relatives of a deceased employee could receive It is vital to speak with a work injury lawyer who is knowledgeable of the laws in your state as well as workers compensation laws You should also make sure you understand how the amount is calculated and how long its valid for The amount of compensation for the family members of a deceased employee is contingent on their connection to the deceased and how financially dependent they were on the deceased For instance a survivor spouse and dependent children will receive a portion of the deceased employees average weekly wage provided they meet certain eligibility requirements It is vital to make a claim for workers compensation benefits if you have lost a loved one due to an accident at work This is to ensure that you will receive the maximum amount of compensation for your loss The loss of a dear person can cause emotional and financial turmoil Its possible that youre unable to focus on your job or other aspects of your life as youre grieving the loss of your loved one This can cause difficulties in making decisions about how to proceed with a case It can be difficult to determine if youre doing the right thing by submitting claims for death benefits or if its better to take legal action against the party responsible for your loved ones death Whatever workers compensation lawyer salem decide to proceed it is best to consult an experienced Macon workers compensation lawyer as quickly as possible This will help you get the compensation and justice you are entitled to for your losses A complicated set of rules determines the amount of a persons familys death benefits These are contingent on the degree of dependence your loved one was their employer if the employer is covered by workers compensation laws in your state and the kind of job the worker was employed in
