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What Is Workers Compensation Workers compensation is a form of insurance that provides cash benefits and medical assistance for employees injured while on the job It is a program that safeguards employees and provides employers with incentives to minimize injuries related to work The system is dependent on the nature of the business it operates its payroll and history of workplace injuries referred to as the rating of experience Its also governed by state laws It helps pay for medical expenses Workers compensation insurance typically covers medical expenses and lost wages resulting from injuries sustained while working 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 surgical care medical medication rehabilitation therapy and pain medication Many states have legal restrictions on the types of treatments they will accept In certain situations the insurance company might require you to undergo an independent medical exam This is a great way to determine if further treatments will benefit your recovery from a workrelated injury Additionally many states have a yearly mileage rate that can be used for trips to and from appointments This rate differs but usually less than 15 cents per mile Another advantage of workers compensation is that it covers a broad variety of medical procedures and treatments that are not covered by your private health insurance or Medicare This includes physical therapy chiropractic treatment massage therapy and Acupuncture The rules of your state and the Medical Guidelines issued by the Workers Compensation Board will decide the kind of treatment you are eligible for In certain situations your doctor may ask for an exemption to these guidelines to get treatment approved Its not always feasible In some instances workers compensation boards may not approve treatments Workers compensation plans do not usually cover alternative treatments like acupuncture and biofeedback It is crucial to report your injury as soon as you realize it Also make an appointment with a physician to discuss your claim It is easier to get your medical bills paid and prove that your job caused the injury You can request that your employer provide you with a copy of the medical bills to ensure that your treatment and costs are properly covered This will allow you to concentrate on your recovery and provide you with peace of mind knowing you are receiving treatment and the associated costs properly It compensates for the loss of wages A worker who is injured on the job and is unable return to his job may be entitled to lost wages These benefits are typically offered through workers compensation insurance The formula used by most states to determine what an injured worker is entitled to in lost wages is fairly standard This amount is determined by the average weekly salary the worker was earning prior to being injured However this figure could be a bit complicated and not always accurate Workers compensation was created in the 19th century to safeguard workers and provide cash benefits as well as medical treatment for sick or injured workers In addition to these statutory benefits certain states also permit employees to sue their employers if they become injured or sick in the course of their work A worker who suffers a temporary injury must request benefits within three days If a doctor determines that the employee is not able to return to work within 14days of the injury the time may be extended Temporarily disabled workers may be compensated for twothirds of the weekly wage subject to the maximum amount set by the law This benefit is paid in the majority of states every two weeks until the worker completely recovers from their injuries A workers compensation claim can be a hassle and costly to handle without the help of an experienced lawyer Injured employees must undergo a process that involves appearing before an arbitrator They must prove that the workplace accident was the cause of their disability and that they were unable to fulfill their duties and that they are not able to do so in the future In addition they need to demonstrate that they have lost their ability to earn money as a result of their injury or illness This process can be difficult and risky for unrepresented workers Most of the time the insurer of the employer will employ lawyers to defend these claims The statelevel Workers Compensation Board is responsible for all claims for workers compensation and claims are analyzed by the Board and its judges as well as an appeal system To support their claims for lost wages or other benefits injured workers have to provide evidence including medical records and the testimony of doctors It covers permanent disability A health issue or injury that is connected to your work can result in devastating consequences It could cause you to lose your job and you could be in a difficult spot financially Fortunately workers compensation is able to pay for costs for medical bills and lost wages until you are able to return to work The kind of disability benefits you receive will depend on the severity and nature of your injury Cash payments can be made for temporary disabilities permanent partial disabilities or permanent total disabilities Temporary total disability TTD is granted in the event that an injured workers workrelated accident hinders them from returning to the job they had prior to their injury TTD benefits are usually terminated after a doctor has declared that the injury suffered by the worker isnt permanent or when the worker is able to fully recover and be back at work Permanent partial disability PPD is granted in the event of an impairment in their physical health that limits their ability to work but that does not completely disable them The ability of the worker to do the work is the determining factor in the amount of PPD benefits The benefits of PPD are a combination of both medical and cash benefits and theyre available for as long as you need them However its important to be aware that these benefits can be complicated and an experienced workers compensation attorney can help you navigate the system The workers compensation commission takes into account your age your occupation and limitations of movement when determining the amount you will receive in permanent disability benefits It is also able to consider your pain as well as the impact that your disability can have on your daily life After you have been approved for permanent handicap the compensation board assigns a percentage to your earnings to reflect the level of your earning potential that was affected by your condition For workers compensation attorney south gate a person who has a 100 whole person impairment rating for back pain will be entitled to 350 weeks of permanent disability benefits Usually the compensation board will send you a PD check within two weeks of a doctor declaring that you have a permanent impairment The amount of the payment is determined by 60 of your average weekly salary It pays for death Workers compensation can help pay for funeral expenses and related expenses of your loved one regardless of whether they died because of a workplace accident or occupational illness In addition to funeral expenses workers compensation may also pay medical bills which were incurred prior the worker passed away In the majority of states the death benefits are paid in installments based on the percentage of the workers weekly average before they died The percentage of death benefits varies from state to the next however generally it ranges from twothirds to three quarters of the workers average weekly wage with minimal and maximum amounts These benefits are usually given to the spouse of the deceased or any other dependent of the worker and can be paid in addition to burial expenses In certain instances cash payments could be made available to the surviving child The amount of these benefits will be contingent on the degree of dependency of the dependent seeking compensation In general surviving spouses and children are considered complete dependents when they resided with the deceased at the time of the death They are considered partial dependents if they did not reside with the deceased and can prove that they received a significant financial benefit from the deceased worker Other dependents for example parents and siblings are considered dependent if they depended upon the deceased person for a substantial portion of their financial support prior to their death Partially dependents are entitled to a prorata portion of the total benefit amount for death benefits which is determined by the amount they rely on the deceased In certain states death benefits are not paid in installments but instead they are paid as a lump sum This lump sum payment is twothirds the workers average weekly earnings and is paid until a specified amount of time or years have passed The laws of the state limit the amount of money that the dependents of a deceased worker are entitled to during these months and years
