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What Is Workers Compensation? Workers compensation is a form of insurance that provides cash benefits and medical care for employees who are injured on the job. It is a program designed to protect employees and offers employers incentives to reduce the risk of injuries that occur during work. The system is built around the nature of the company, its payroll and its record of workplace injuries (referred to as an experience rating). It's also regulated by the state laws. It pays for medical expenses Typically, workers' compensation insurance pays for medical expenses and lost wages due to a work-related injury. There are a variety of medical bills that are covered by workers compensation insurance. These include doctor's visits, emergency care and hospitalization as well as life-saving surgeries, medical care, medication, rehabilitation therapy, and pain medication. There are many states with statutory limitations for different kinds of treatment, and in some cases the insurance company will require an independent medical exam. This is a great way to determine if further treatment is necessary for your recovery from a workplace-related injury. In addition, most states offer a mileage reimbursement rate that can be used to pay for travel to and from appointments. The rates vary, but are generally less than $15 cents per miles. Workers' compensation also covers many medical procedures and treatments that aren't covered by private insurance or Medicare. The expenses include 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 some instances your doctor may ask for an exemption to these guidelines to get the treatment approved. However, this isn't always the case and in some cases, treatment that is not approved by the Workers' Compensation Board could not be covered in any way. Workers' compensation plans don't typically cover alternative treatments such as acupuncture and biofeedback. As with any type of claim, it's crucial to report your injury when you are aware of it, and then make an appointment to see an expert in medical care. It will be easier to receive your medical bills paid and to 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 expenses are adequately paid for. Keeping this in mind will give you peace of heart that your treatment and costs are being handled correctly and will allow you to focus on your recovery. It covers lost wages A worker who is injured while at work and cannot return to his job could be entitled to lost wages. These benefits are typically offered by workers compensation insurance. The formula used by most states to determine how much an injured worker is entitled to for lost wages is quite common. This figure is based on the average weekly income the worker was earning before they were injured. However, this figure can be complicated and not always accurate. Workers' compensation was introduced in the 19th century to protect workers and provide cash benefits as well as medical care for sick or injured workers. In addition to these statutory benefits certain states also permit employees to sue their employers when they suffer injury or illness during their job. An employee who sustains an injury that is temporary must seek benefits within three days. This timeframe can be extended if the doctor says the employee is not able to return to work within 14 days after the injury. If an employee is temporarily disabled, he or she may be eligible for compensation of two-thirds of the average weekly wage up to the maximum statutory limit. In the majority of states this benefit is paid every two weeks until the worker is fully recovered from injuries. Without the help of an experienced lawyer workers' compensation claims can be complicated and costly. Workers who have been injured have to attend hearings before the judge. They must prove that their impairment was caused by a workplace accident, that they were unable to perform their job duties, and that they are unable to perform their job duties for the next time. They must also show that their injury or illness has affected their ability to earn money. The process can be difficult and fraught with risk for the worker who is not represented since the insurance company of the employer often employs lawyers to fight these claims. All workers' compensation claims are analyzed by the state-level Workers Compensation Board which comprises its judges and appeals system. Workers who are injured must provide evidence, such as medical records and testimony from physicians, to support their claims for loss of wages and other benefits. It covers permanent disability A health issue or injury which is related to your work can have devastating consequences. You could lose your job or become financially insolvent to pay for the expenses. Workers compensation covers lost wages and medical expenses until you 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, permanent partial disability, or permanent total disability. TTD is granted to an injured worker who suffers an injury at work that is preventing them from returning to their previous job. TTD benefits usually end when a physician declares that the injury is no longer permanent or when the injured worker recovers fully and can return to their pre-injury job. Permanent partial disability (PPD), is granted to those who suffer from an extreme impairment that restricts their abilities but does not completely disable them. The PPD benefit amount is determined by the amount of work that the worker is unable to do. These PPD benefits are a mix of medical and cash benefits, and they are available for as long as you require them. However, it's important to remember that these benefits can be complicated and a skilled workers' comp attorney can help you navigate the system. When determining the amount of permanent disability benefits the workers' compensation commission considers your age, occupation and limitations of motion. It also considers your pain, and the impact your disability can have on your life. After you've been deemed eligible for a permanent handicap rating the compensation board assigns a percentage of your earnings to reflect the level of your earning capability that was affected by your illness. A person who has a 100 percent impairment rating because of an injury to their back will receive 350 weeks of permanent disability benefits. Typically, the compensation board sends your PD check within two weeks of a doctor's finding that you suffer from permanent disability. This payment is based on 60 percent of your weekly earnings. It pays for death Workers compensation can help pay for the funeral expenses and related expenses of your beloved one, regardless of whether they died as a result a workplace accident or occupational illness. Workers compensation may cover funeral costs as well as medical expenses that were incurred prior the time the worker died. In the majority of states the death benefits are paid in installments based on a percentage of the deceased worker's average weekly wage prior to their death. The percentage varies from one state to the next, but usually it is between two-thirds to three quarters of the workers' average weekly earnings with minimal and maximum amounts. These benefits are usually paid to the spouse of the deceased or another dependent of the worker, and may be paid in addition to burial fees. In certain cases cash payments could be made available to the surviving child. The amount of these benefits will depend on the degree of dependence of the person who is seeking compensation. In workers' compensation attorney pearland , 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 don't reside with the deceased but can prove that they received a significant financial benefit from the deceased worker. If they depended on the deceased worker to provide significant financial support, then any other dependents such as parents and siblings are considered dependent. Partial dependents are awarded an equal share of the total death benefit compensation amount that is determined by how much they rely on the deceased. The death benefits can't be paid in installments instead they are paid in a lump sum. The lump sum amount is equivalent to two-thirds of a worker's weekly earnings and is paid until a specific time or number of years have been completed. In these months or years that the deceased person's dependents are able to continue receiving benefits, but the amount of money they are entitled to is limited by state laws.