Workers’ compensation is an insurance system that provides benefits to employees who are injured or become ill on the job. In most states, workers’ compensation is mandatory, but the rules and benefits vary from state to state.
If you were injured on the job, you may be unsure of your eligibility for workers’ compensation and how to file a claim. This blog will address some of the most frequently asked questions regarding workers’ compensation.
- What Are the Types of Workers’ Compensation Benefits?
Workers’ compensation benefits include medical benefits, wage replacement benefits, death benefits, and permanent disability benefits.
- Workers’ compensation will cover all reasonable and necessary medical expenses related to your work-related injury or illness, such as hospitalization, surgery, and prescription medications.
- While you are unable to work due to a work-related injury or illness, workers’ compensation will replace a portion of your income.
- If you die because of a work-related injury or illness, workers’ compensation will pay benefits to your surviving spouse and dependent children.
- If you are permanently disabled because of a work-related injury or illness, workers’ compensation will provide benefits.
- How Do I File a Workers’ Compensation Claim?
Immediately notify your employer if you are injured on the job. Then, your employer will file a claim for workers’ compensation on your behalf. Your state’s workers’ compensation board will likely require you to see an authorized physician. To ensure that your claim is processed smoothly and that you receive the benefits to which you are entitled, you must adhere to your state’s rules and regulations regarding workers’ compensation claims.
- What If My Employer Does Not Have Workers’ Compensation Insurance?
If your employer lacks workers’ compensation insurance, you may still be eligible for benefits through your state’s system. Regarding uninsured employers, each state has unique rules and regulations. For more information, you should contact your state’s workers’ compensation board.
- I’m Not Satisfied with The Benefits I’m Receiving. What Can I Do?
If you are dissatisfied with your current benefits, you may be able to file an appeal. Requests are governed by different rules and regulations in each state. For more information, you should contact your state’s workers’ compensation board.
- I Was Fired After I Filed a Workers’ Compensation Claim. Is That Legal?
Yes, unfortunately. Most states allow employers to terminate workers who have filed workers’ compensation claims. There are, however, a few exceptions. In some states, it is unlawful to fire an employee in retaliation for filing a claim.
If you have been injured on the job and have questions about workers’ compensation, you are not alone. Many individuals have questions about this intricate system. At Gaylord and Nantais, we are eager to assist you. If you have any additional inquiries, please contact us at (562) 561-2669.