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What Is Workers Compensation? Workers compensation is a type of insurance that pays cash benefits and medical care to employees who suffer injuries while working. It's a program that is designed to protect employees and offer employers incentives to prevent accidents that occur at work. The system is based on the nature of the company as well as its payroll and its history of workplace injuries (referred to as the experience rating). It's also regulated by the state laws. It pays for medical expenses Workers compensation insurance generally covers medical expenses and lost wages for injuries that occur while working. The types of medical expenses covered vary from state to state but typically include doctors visits, emergency medical care, hospitalization, lifesaving medical services such as surgery, pain medication and rehabilitation therapy. Many states have legal restrictions on the kinds of treatments they will accept. In some cases your insurance provider may require you to undergo an independent medical examination. This is a great method to determine if additional treatment will help you recover from your workplace-related injury. In addition, many states have a yearly mileage rate that can be used to transport to and from appointments. The amount varies, but is usually less than $15 cents per miles. Another major benefit of workers compensation is that it covers a broad range of medical procedures and treatments that aren't covered by private health insurance or Medicare. This includes chiropractic treatment, physical therapy massage therapy, acupuncture and massage therapy. The kind of treatment you are allowed to receive by your workers' comp benefits will be based on the rules of your state and the medical guidelines issued by the Workers' Compensation Board. Your doctor may request an exception from these guidelines to get treatment approved in certain cases. This is not always possible. In certain situations workers' compensation boards might not approve of treatment. 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, schedule an appointment with a doctor to discuss your claim. It will be easier to get your medical bills paid and prove that your work caused the injury. You can also request your employer or the insurance company they designate to send you a copy your medical bills to make sure that your treatment and related expenses are adequately covered. This will allow you to concentrate on your recovery and provide you with the assurance that you are receiving the treatment and the associated costs properly. It compensates for lost wages A worker who suffers an injury at work and is unable return to his job could be entitled to lost wages. These benefits are usually provided through workers compensation insurance. The formula used by a majority of states to determine what an injured worker is entitled to in lost wages is pretty standard. This figure is based on the average weekly income the worker was earning prior they were injured. The figure may not be exact and can be confusing. The workers compensation system was developed in the late 19th century to ensure that workers are not injured during their work, and to provide cash-based benefits in addition to medical treatment for those who get injured or ill. In addition to these benefits imposed by law, some states also allow employees to sue their employers if they are injured or sick during their job. Generallyspeaking, an employee who is injured for a short period is required to apply for benefits within three days of the event. If a doctor decides that the employee is unable to return to work within 14 days of the injury, this time frame may be extended. Temporarily disabled workers may be paid two-thirds of the average weekly wage subject to the maximum amount set by the law. This benefit is paid out in most states every two weeks until the employee fully recovers from their injuries. A workers' compensation claim can be difficult and costly to handle without the help of a skilled lawyer. Workers who are injured have to go through a process that involves appearing before a judge. They must demonstrate that their impairment resulted from a workplace accident, which caused them to be not able to carry out their job duties, and that they are unable to perform the same task in the future. In addition, they must show that they lost the ability to earn an income as a result of their injury or illness. The process can be difficult and carries risk for the unrepresented worker, because the insurance company for the employer often employs lawyers to defend these claims. All claims for workers' compensation are analyzed by the state-level Workers Compensation Board that includes judges and appeals system. Workers who have been injured are required to submit evidence, including medical records and testimony from doctors, to prove their claims for lost wages and other benefits. It pays for permanent disability A health issue or injury that is linked to your job could result in devastating consequences. It could cause you to lose your job and you could be in a difficult spot financially. Fortunately, workers compensation can help pay for medical expenses and lost wages until you return to work. workers' compensation law firm clifton of disability benefits you receive is contingent upon the severity and nature of the injury. You can receive cash benefits for a temporary disability or permanent partial disability or permanent total disability. Temporary total disability (TTD) is awarded when an employee's injury from an accident is preventing them from returning back to their job before their injury occurred. TTD benefits typically end when a doctor says that the injury isn't permanent, or when the worker completes their recovery and resumes their pre-injury job. Permanent partial disability (PPD) is awarded to those who suffer from a severe impairment that limits their ability , but does not completely disable them. The ability of the worker to do the job is the determining factor in the amount of PPD benefits. These PPD benefits could be combined with cash and medical benefits and can last as long as you need them. It's important to be aware that these benefits can be complicated and that a skilled workers' compensation attorney can guide you through it. The Workers' Compensation Commission takes into account your age, your occupation and physical limitations when determining the amount you'll receive in permanent disability benefits. It also considers your pain, and the effect your disability can have on your life. After you've been deemed eligible for a permanent handicap rating the compensation board will assign a percentage to your earnings that reflects the amount of your earning potential that was affected by your condition. For example the person with an all-inclusive 100% impairment rating for back pain will be entitled to 350 weeks of disability benefits for permanent disabilities. Typically, the compensation board sends your PD check within two weeks of a doctor's diagnosis that you suffer from permanent disabilities. This payment is based on 60 percent of your average weekly wage. It pays for death If your loved ones died in a workplace accident or as a result of occupational illness You can count on workers compensation to cover funeral costs and other related expenses. Workers compensation will help with funeral expenses as well as medical bills that were incurred prior the time the worker died. Death benefits in a majority of states are paid out in monthly installments. This amount is determined by the worker's average weekly wages before their death. The percentage can vary from one state to the next however, generally, it ranges from two-thirds to three-fourths workers' average weekly earnings with minimal and maximum amounts. These benefits are usually paid to the spouse or other dependents of the worker. They may include burial expenses. In certain cases cash-based payments might be made available to the surviving child. The amount of these benefits will be contingent on the level of dependency of the person who is seeking compensation. A surviving spouse and child are considered to be total dependents if they resided with the deceased at the time of death. If they did not live with them as a couple, they are considered part-time dependents and can be eligible for benefits upon death only if they can prove the deceased worker gave them significant financial benefits. Other dependents, for example, parents and siblings, are considered to be dependent if they relied on the deceased worker for a significant amount of their financial support prior to their death. Partially dependents receive a pro-rata portion of the total benefit rate for death benefits which is determined by how much they depend on the deceased. In some states, these death benefits are not paid in installments but instead are paid in a lump sum. This lump sum payment is two-thirds of an employee's average weekly earnings, and it is paid until either the specified time period or a specific number of years have passed. In these months or over the years those who are dependents of the deceased will continue to receive benefits, but the amount of money they are entitled to is limited by state laws.