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What Is Workers Compensation Workers compensation is one type of insurance that provides cash benefits as well as medical treatment for employees injured on the job Its a program that is designed to protect employees and offer employers incentives to minimize accidents that occur at work The system is based on the type of business that it is as well as its payroll and its history of workplace injuries referred to as an experience rating Its also controlled by state laws It will cover medical expenses Typically workers compensation insurance pays for medical expenses and lost wages resulting from a workrelated injury There are a variety of medical bills covered by workers compensation insurance They include doctors visits or emergency medical care hospitalization as well as lifesaving surgeries medical care rehabilitation therapy medication and pain medication Many states have statutory limits for different kinds of treatment In some instances the insurance company may have you undergo an independent medical exam This is an excellent method of determining if any additional treatment can aid in recovering from your workplacerelated injury In workers compensation attorney arlington many states have an annual mileage rate which can be used for transportation to and from appointments The amount fluctuates but is generally less than 15 cents per mile Workers compensation also covers a variety of medical procedures and treatments that are not covered by private insurance or Medicare These expenses include chiropractic treatment physical therapy as well as massage therapy and acupuncture Your states rules and the Medical Guidelines issued by the Workers Compensation Board will determine the type of treatment you are eligible for Your doctor may ask for an exception to these guidelines to have treatment approved in some instances However this isnt always the case and in some cases treatment that is not approved by the Workers Compensation Board may not be covered in any way Alternative treatments like biofeedback and acupuncture arent usually covered by most workers comp plans As with any type of claim its crucial to notify your employer immediately you become aware of it and make an appointment to see an expert medical professional It will be much easier to get your medical bills paid and prove that your work caused the injury You could also request your employer or insurance company they designate to send you a copy your medical bills to make sure that your treatment and related expenses are properly paid for By keeping this in mind it will give you peace of heart that your treatment and expenses are being dealt with appropriately and will enable you to concentrate on your recovery It pays for the loss of wages Workers who are injured at work and cant return to their jobs may be eligible for lost wages These benefits are usually provided by workers compensation insurance Most states use a formula to determine the amount an injured worker will receive for lost wages This figure is based on the average weekly wage that the worker was earning prior to he or she became injured However this number can be complex and not always accurate Workers compensation was instituted in the late 19th century to safeguard workers and provide cash benefits and medical care for injured or sick workers Certain states permit employees to sue their employers for injuries or illnesses they suffer while working A worker who suffers a temporary injury must request benefits within three days The time frame can be extended if the doctor declares that the employee is not capable of returning to work within 14 days of the injury If the worker is temporarily disabled they can receive compensation for twothirds of the average weekly salary up to the statutory cap This benefit is paid in most states every two weeks until the worker completely recovers from their injuries Without the help of an experienced lawyer workers compensation claims can be a challenge and expensive Employees who are injured must be present at hearings before an adjudicator They must prove that their disability was caused by a workplace accident which caused them to be incapable of carrying out their duties and that they will not be able to perform the same task for the next time They must also show 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 arent represented since the insurance company of the employer will often hire lawyers to challenge these claims All workers compensation claims are reviewed by the statelevel Workers Compensation Board which comprises its judges and appeals system Workers who have been injured must submit evidence including medical records and testimony from physicians to support their claims for lost wages as well as other benefits It covers permanent disability A jobrelated injury or illness can be devastating It could cause you to lose your job and you may be struggling financially Workers compensation covers lost wages and medical expenses until you are able to return to work The type of disability benefits you get depends on the severity and nature of the injury You may receive cash payments for a temporary disability or permanent partial disability or permanent total disability Temporary total disability TTD is awarded when an injured workers workrelated accident prevents them from returning to their job prior to their injury TTD benefits usually end when a doctor states that the injury is no longer permanent or when the worker recovers fully and returns to their previous job Permanent partial disability PPD is awarded when a worker suffers from physical impairment that significantly restricts their ability to work but does not completely disable them completely The ability of the worker to do the work is what determines the amount of PPD benefits The PPD benefits are combined with cash and medical benefits and can last as long as you require them Its important to be aware that these benefits arent easy to understand and a skilled workers compensation attorney can help you navigate it The Workers Compensation Commission takes into account your age your occupation and limitations of movement when determining how much youll receive in permanent disability benefits It also takes into account your pain and the impact your disability will have on your daily life Once youve been approved for permanent disability The compensation board assigns an amount of your earnings to reflect the percentage of your earning capacity that was hindered by your illness For instance the person with a 100 whole person impairment rating due to an injury to the back is entitled to 350 weeks of permanent disability benefits Usually the compensation board will usually send you a PD check within two weeks of a doctor declaring that you have an impairment that is permanent The amount of the payment is determined by 60 percent of your average weekly salary It pays for death Whether your loved one died in a workplace accident or due to an occupational illness you can count on workers compensation to pay for their funeral costs and other expenses In addition to funeral expenses workers compensation could also pay for medical expenses that were incurred before the worker passed away In the majority of states death benefits are paid in installments based on a percentage of the workers weekly average before they died The percentage varies from state to state but it usually ranges between twothirds to threefourths workers average wages as well as minimum and maximum amounts These benefits are usually given to the spouse who is surviving or any other dependent of the worker It can be paid in addition to burial expenses In some instances children who survive can receive cash payments too The amount of these benefits will depend on the level of dependency of the person who is seeking compensation A child or spouse that survives is considered to be a total dependent if they were living with the deceased at the time they died They are considered to be partial dependents if they dont reside with the deceased and can prove that they received a significant financial benefit from the deceased worker If they depended on the deceased person to provide significant financial support then other dependents such as parents and siblings are considered dependent Partially dependents are entitled to an equal share of the total benefit rate for death benefits which is determined by how much they rely upon the deceased These death benefits may not be paid in installments instead they are paid in an allin lump sum This lump sum payment is twothirds of an employees average weekly wage and it is paid until an agreedupon period of time or a set number of years have passed The states laws restrict the amount that dependents of the deceased worker are entitled to in these months and over the years
