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What Is Workers Compensation Workers compensation is one type of insurance that pays cash benefits and medical expenses for employees injured on the job Its a program designed to protect employees and give employers incentives to decrease the risk of workrelated accidents The system is built around the nature of the business that it is as well as its payroll and its record of workplace injuries referred to as experience rating Its also regulated by the state laws It pays for medical expenses Workers compensation insurance typically covers medical expenses and lost wages for injuries sustained at work There are many types of medical bills that are covered by workers compensation insurance These include doctors visits hospitalization emergency care and as well as lifesaving surgeries medical care rehabilitation therapy medications and pain medications Many states have statutory limits for different types of treatment and in some cases the insurance company may require an independent medical exam This is a great method to determine if additional treatment will be beneficial for your recovery from a workrelated accident Additionally many states offer a mileage reimbursement rate that can be used to cover travel costs to and from appointments The rates vary but are generally less than 15 cents per miles Workers compensation also covers many medical procedures and treatments that are not covered by private insurance or Medicare This includes physical therapy chiropractic treatment massage therapy and Acupuncture The rules of your state as well as the Medical Guidelines issued by the Workers Compensation Board will decide the type of treatment you will receive Your doctor may request an exception to these guidelines in order to get treatment approved in certain cases However this is not always the case In some instances treatments that are not approved by the Workers Compensation Board could not be covered at all Alternative treatments such as acupuncture and biofeedback are not usually covered by most workers comp plans It is essential to report your injury as soon as you are aware of it Also make an appointment with your doctor to discuss your claim It will be much easier to get your medical bills paid and prove that your work was the cause of the injury You could also ask your employer or the insurance company they designate to send a copy of your medical bills so that you can make sure that your treatment and costs are paid in full Be aware of this and it will give you peace of heart that your treatment and costs are being handled correctly and will enable you to focus on your recovery It compensates for lost wages Workers who are injured at work and arent able to return to work may be eligible for lost wages These benefits are typically offered by the workers compensation insurance The majority of states have a formula that determines how much an injured worker can receive for lost wages This amount is determined by the average weekly salary the worker earned prior to the injury This figure is not always accurate and can be difficult to interpret Workers compensation was established in the late 19th century in order to protect workers and provide cash benefits and medical care for injured or ill workers In addition to these benefits imposed by law Certain states also allow employees to sue their employers if they suffer injury or illness in the course of their employment An employee who suffers an injury that is temporary must seek benefits within three days This time frame may be extended if the doctor states that the employee will not be in a position to return to work within 14 days of the injury If a worker is temporarily disabled they can receive compensation for twothirds of the average weekly salary up to the maximum statutory limit In most states this benefit is paid every two weeks until the worker is fully recovered from injuries A claim for workers compensation can be difficult and costly to make without the help of a skilled lawyer Workers who have been injured must attend hearings before the judge They must show that the workplace accident was the reason of their impairment that they were unable to perform their job duties and that they are unable to perform their job duties in the future They must also show that their injury or illness has affected their ability to earn a living The process can be lengthy and fraught with risk for the worker who is not represented as the insurance company that covers the employer will often hire lawyers to defend these claims All claims for workers compensation are analyzed by the statelevel Workers Compensation Board which includes its judges and appeals system Workers who are injured must provide evidence including medical records as well as testimony from doctors to back their claims for lost wages as well as other benefits It covers 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 the loss of wages and medical expenses until you return to work The type of disability benefits that you will receive will be contingent on the severity as well as the nature of the injury You can receive cash payments for a temporary disability permanent partial disability or permanent total disability TTD benefits are granted to an employee who suffers an injury at work that cant allow them to return to their previous position TTD benefits are typically terminated when a doctor determines that the workers injury has not become permanent or when the worker is in a position to fully recover and return to work Permanent partial disability PPD is granted when a worker has a physical impairment that severely restricts their ability to work but does not completely disable them completely The PPD benefit amount is determined by what kind of work the employee is unable complete The benefits of PPD are a mix of medical and cash benefits and theyre available for as long as you require them However its important to remember that these benefits arent easy to understand and an experienced workers comp attorney can help you navigate the system The Workers Compensation Commission will take into consideration your age work experience and limitations of movement when determining the amount youll receive in disability benefits It is also able to consider your pain as well as the effect your disability has on your life If youve been approved for permanent disability the compensation board assigns a percentage of your earnings to reflect the proportion of your earning capacity that is affected by your illness For example an individual with an allinclusive 100 impairment rating due to a back injury will be entitled to 350 weeks of disability benefits for permanent disabilities Typically the compensation board will usually send you your PD check within two weeks of a doctors declaration that you suffer from an irreparable impairment The amount of the payment is determined by 60 percent of your average weekly income It pays for death Workers compensation can help cover funeral costs and related expenses of your beloved one regardless of whether they passed away because of a workplace accident or occupational illness In workers compensation attorney yuma to funeral expenses workers compensation may also pay medical bills which were incurred prior the worker passed away Death benefits in the majority of states are paid in monthly installments This amount is determined by the workers average weekly wages before their death The percentage of death benefits varies from state to the next but generally its between twothirds to three quarters of the workers average weekly earnings with minimum and maximum amounts These benefits are typically paid to the spouse who died or a dependent of the worker and can be paid in addition to burial costs In certain cases cash payments can be made available to the surviving child The amount of these benefits will depend on the amount of dependency of the dependent who is seeking compensation A surviving spouse or child is considered to be a total dependent if they lived with the deceased at the time they died If they did not live with them as a couple they are considered parttime dependents and will be entitled to death benefits only if they can prove the deceased worker provided them with a significant financial benefit Other dependents including parents and siblings are considered to be dependent if they depended on the deceased for a substantial amount of their financial support prior to their death Partly dependents are given an amount proportional to the total death benefit compensation rate that is determined by the extent to which they rely on the deceased These death benefits cannot be paid in installments but instead as an allin lump sum This lump sum payment represents twothirds the average weekly salary and is paid until either an agreedupon period of time or a certain number of years have expired During these months or years the deceased workers dependents can continue to receive benefits however the amount of money they can receive is limited by the states laws
