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What Is Workers Compensation Workers Compensation is a kind of insurance that provides medical and cash benefits to employees who are injured at work It is a program designed to protect employees and provides employers with incentives to prevent injuries from work The system is based on the nature of the business as well as its payroll and its history of workplace injury referred to as the rating of experience Its also regulated by the state laws It will cover medical expenses Workers compensation insurance typically covers medical costs and lost wages for injuries sustained while working The types of medical bills covered vary by state however they typically cover doctor visits emergency care hospitalization lifesaving medical services and surgery pain medications and rehabilitation therapy There are many states with statutory limitations for different kinds of treatment In some instances the insurer will require you to go for an independent medical exam This is a great way to determine if further treatment is beneficial to your recovery from a workplacerelated injury Additionally many states have an annual mileage rate which can be used to travel to and fro appointments The amount of reimbursement varies but is often less than 15 cents per mile Another advantage of workers compensation is that it covers a broad variety of medical treatments and procedures that are not covered by private health insurance or Medicare The expenses include chiropractic treatment physical therapy 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 your doctor can ask for an exception to these guidelines in order to have treatment approved This isnt always the case In some cases however workers compensation boards may not approve treatment Workers compensation plans dont usually cover alternative treatments such as acupuncture or biofeedback As with any claim you must declare your injury when you are aware of it and set an appointment with an experienced medical professional The earlier you report it the easier it will be to get your medical bills paid and prove that the injury resulted from your work You could ask your employer to provide you with a copy of your medical bills to ensure that your treatment and related expenses are paid for Keeping this in mind will ensure that your treatment and related expenses are being dealt with appropriately and will enable you to concentrate on your recovery It pays for lost wages Workers who suffer injuries at work and unable to return to work could be eligible to receive lost wages These benefits are typically covered by insurance companies for workers compensation The formula used by a majority of states to determine the amount an injured worker is entitled to for lost wages is fairly common The formula is on the basis of the weekly average income of the worker prior to the accident This figure may not be accurate and can be difficult to interpret Workers compensation was introduced in the 19th century to protect workers and provide cash benefits as well as medical treatment for injured or sick workers Some states allow employees to sue their employers for injuries or illnesses that they suffer while working In general an employee who is injured for a short period must file for benefits within three days after the incident This period may be extended if the doctor declares that the employee is not ready to return to work within 14 days of the injury If a worker is temporarily disabled they may be eligible for compensation of twothirds of the average weekly wage up to the maximum statutory limit In the majority of states the benefit is paid every two weeks until the worker recovers from injuries Without the help of an experienced lawyer workers compensation claims can prove difficult and costly Employees who are injured must be present at hearings before an adjudicator workers compensation case redwood city must prove that their disability was caused by an workplace accident and that they were incapable of carrying out their duties and cannot do so for the next time Additionally they must demonstrate that they have lost their ability to earn a living as a consequence of their injury or illness This process can be difficult and risky for workers without a union Most of the time the insurer of the employer will employ lawyers to fight these claims All claims for workers compensation are analyzed by the statelevel Workers Compensation Board which includes its judges and appeals system To support their claims for lost wages or other benefits injured workers have to provide evidence such as medical records and testimony by doctors It is a benefit for permanent disability A health issue or injury that is connected to your job could cause devastating consequences It can cause you to lose your job and you could be in a difficult spot financially Workers compensation covers the loss of wages and medical expenses until you return to work The kind of disability benefits you receive will depend on the severity as well as the nature of your injury Cash payments are available for temporary disabilities or permanent partial disabilities or permanent total disabilities TTD benefits are granted to an employee who has suffered an injury that cant allow them to return to their previous position TTD benefits are usually terminated when a doctor states that the injury suffered by the worker is not permanent or when the worker is completely recovered and is able to return to work Permanent partial disability PPD is awarded to workers who have a severe impairment that limits their abilities but does not completely disable them The workers ability to perform the job is the determining factor in the amount of PPD benefits These benefits are a combination of both medical and cash benefits and they can last for the time you need them Its important to remember that these benefits can be a bit complicated and a skilled worker compensation attorney can guide you through it The workers compensation commission will take into consideration your age work experience and limitations of movement in determining the amount you will receive in permanent disability benefits It also considers your pain and the effect your disability has on your life After you have been approved for permanent handicap the compensation board assigns a percentage of your earnings that reflects the amount of your earning capability that was affected by your illness A person who has a 100 impairment rating due to a back injury will receive 350 weeks of permanent disability benefits Typically the compensation board is expected to send you a PD check within 2 weeks of a doctor declaring that you suffer from an impairment that is permanent The amount is based on 60 percent of your weekly income It pays for death If your loved one was killed in a workplace accident or as a result of an occupational illness you can count on workers compensation to pay for funeral costs as well as other expenses Workers compensation will cover funeral expenses and medical expenses incurred before the worker died In the majority of states death benefits are paid in installments based on the percentage of the deceased workers average weekly income before they died The percentage varies from state to state but typically it is between twothirds and threefourths of a workers wages with minimum and maximum amounts These benefits are typically paid to the spouse or any other dependents of the worker They could include burial costs In some cases cashbased payments might be available to the surviving child The dependent who is seeking compensation will determine the amount of the benefits In general surviving spouses and child are considered total dependents if they lived with the deceased at the time of death If they did not reside with them they are considered partial dependents They are eligible for benefits upon death only if they can prove that the deceased worker gave them a significant financial benefit Other dependents including parents and siblings are considered to be dependent if they relied on the deceased for a significant amount of their financial support prior to their death Partial dependents are awarded an equal share of the total death benefit amount which is determined by how much they rely on the deceased In some states these death benefits are not paid in installments but instead are paid as a lump sum The lump sum amount is twothirds of an employees average weekly earnings and is paid until either an agreedupon period of time or a specified number of years have been passed The laws of the state limit the amount that the dependents of a deceased worker are entitled to during these months and years
