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What Is Workers Compensation? Workers compensation is one type of insurance that provides cash benefits and medical expenses to employees who suffer injuries on the job. It's a program that is designed to protect employees and offer employers incentives to decrease the risk of accidents that occur at work. The system is based upon the nature of the business, its payroll, and its history of workplace injuries (referred to as experience rating). It's also regulated by state laws. It covers medical expenses Workers compensation insurance typically covers medical expenses and lost wages for injuries sustained while at work. The kinds of medical bills covered vary by state however, they typically cover doctor visits, emergency care, hospitalization, lifesaving medical assistance and surgery, pain medications and rehabilitation therapy. Many states have statutory limits on various treatments and, in certain instances the insurance company will have you undergo an independent medical examination. This is a good way to determine whether additional treatment is beneficial to your recovery from a work-related accident. In addition, most states offer a mileage reimbursement rate that can be used to cover travel costs to and from appointments. The amount varies, but is often less than $15 cents per mile. Another important benefit of workers compensation is that it covers a broad range of medical treatments and procedures that are not covered by private health insurance or Medicare. The expenses include physical therapy (chiropractic treatment) massage therapy, and acupuncture. Your state's rules and the Medical Guidelines issued by the Workers Compensation Board will decide the type of treatment you'll receive. Your doctor can request an exception to these guidelines in order to get treatment approved in certain cases. However, this isn't always the case and in some instances, treatments that are not approved by the Workers' Compensation Board might not be covered at all. Alternative treatments, like biofeedback and acupuncture, are not covered by the majority of workers' comp plans. It is essential to report your injury immediately you realize it. Also, schedule an appointment with a doctor to discuss your claim. It will be easier to receive your medical bills paid and to prove that your job was the cause of the injury. You can also ask your employer to provide you with a copy of the medical bills to ensure that your treatment and related expenses are properly paid for. This allows you to focus on your recovery and provide you with the peace of mind knowing that you're receiving treatment and the associated costs properly. It compensates for lost wages Workers who are injured at work and aren't able to return to work may be eligible for lost wages. These benefits are typically provided by the workers compensation insurance. The majority of states use a formula to determine how much an injured worker can receive for lost wages. This formula is using the average weekly income of the worker before the injury. The figure may not be precise and may be a bit complicated. The workers compensation system was established in the latter part of the 19th century to protect workers from harm while on the job, and to provide cash-based benefits in addition to medical care for those who are sick or injured. In addition to these benefits imposed by law, some states also allow employees to sue their employers when they are injured or sick in the course of their job. An employee who suffers an injury for a short period must apply for benefits within three days. If a doctor determines that the employee is not able to return to work within 14 days of the injury, this time frame can be extended. If a worker is temporarily disabled, he or she can receive compensation for two-thirds of the average weekly wage up to the maximum statutory limit. In most states this benefit is paid every two weeks until the employee recovers from injuries. Without the assistance of an experienced lawyer workers' compensation claims can be complicated and costly. Workers who are injured have to undergo a process that involves attending hearings before a judge. They must demonstrate that their impairment resulted from a workplace accident, which caused them to be incapable of carrying out their duties and that they are unable to do it in the future. Additionally, they must show that they lost their ability to earn a living as a consequence from their injury or illness. This process can be difficult and risky for workers without a union. Often, the insurance company for the employer will employ lawyers to fight these claims. All claims for workers' compensation are reviewed by the state-level Workers Compensation Board which includes judges and appeals system. Workers who have been injured must submit evidence, including medical records and statements from physicians, to support their claims for loss of wages and other benefits. It is a benefit for permanent disability. An illness or injury which is related to your job may cause devastating consequences. You could lose your job or become financially insolvent to pay for the expenses. Fortunately, workers compensation can help pay for the cost of medical expenses and lost wages until you return to work. The type of disability benefits that you receive is contingent upon the severity and nature of the injury. Cash payments are available for temporary disabilities or permanent partial disability or permanent total disability. Temporary total disability (TTD) is awarded when an injured worker's workplace accident is preventing them from returning back to the job they had prior to their injury. TTD benefits are typically terminated when a doctor declares that the worker's injury isn't permanent or when the worker is able to fully recover and return to their job. Permanent partial disability (PPD) is a benefit that is given to those who suffer from an extremely severe impairment that limits their abilities, but doesn't completely disable them. The worker's ability to perform the work is what determines the amount of PPD benefits. These PPD benefits consist of cash and medical benefits, and they're available for the time you need them. It is crucial to remember that these benefits can be a bit complicated and a skilled worker' compensation attorney can help you navigate the process. When determining the amount of permanent disability benefits, the workers compensation commission considers your age, profession and limitations of motion. It also considers your pain and the impact that your disability can have on your daily life. After you've been deemed eligible for an permanent handicap rating, the compensation board assigns a percentage to your earnings to reflect the amount of your earning capability that was affected by your condition. A person who has a 100 impairment rating of 80% due to an injury to their back will receive 350 weeks of permanent disability benefits. Usually, the compensation board is expected to send you your PD check within two weeks of a doctor's declaration that you suffer from a permanent impairment. The amount is based on 60 percent of your weekly salary. It pays for death If your loved ones died in a workplace accident or as a result of an occupational illness You can count on workers compensation to cover funeral costs as well as other expenses. Workers compensation is able to cover funeral costs and medical expenses that were incurred prior to the death of the worker. In workers' compensation lawyer mobile are paid out in installments, based on the percentage of the deceased worker's average weekly wage prior to their death. The percentage can vary from one state to the next, however, generally, it ranges from two-thirds and three-fourths of the average weekly wage of the worker with minimum and maximum amounts. These benefits are usually paid to the spouse or other dependents of the worker and may also include burial costs. In certain cases cash payments can be available to the surviving child. The amount of these benefits will be contingent on the amount of dependency of the person who is seeking compensation. A surviving spouse and children are considered complete dependents when they resided with the deceased at the time of death. They are considered partial dependents when they do not reside with the deceased, and can prove that they received a substantial financial benefit from the deceased worker. Other dependents, like siblings and parents are considered dependent if they depended upon the deceased worker for a significant amount of their financial support prior to their death. Partial dependents are awarded the pro-rata portion of the total death benefit amount, which is determined by how much they depend on the deceased. These death benefits may not be paid out in installments, but instead as a lump sum. The lump sum amount is two-thirds of an employee's average weekly income, and it is paid until either a specified period of time or a set number of years have expired. The state's laws restrict the amount that the dependents of a deceased worker are entitled to during these months and years.