There is a lot of misinformation out there about what benefits you may be entitled to through workers compensation insurance if you are hurt on the job. If you were injured on the job, here are four benefits that workers compensation may provide to you.
Medical Care for Your Injuries
Following a worker place injury, workers compensation will pay your medical bills and expenses for the injuries you sustained. They will pay for the treatment you need to get back to the same level of health you were at before, or as close as possible. The type of medical care that workers compensation may provide includes doctors visit, chiropractic care, physical therapy, surgery, prescriptions and medical devices that you may need, such as crutches or a wheelchair.
Temporary Disability Payments
Depending on the injuries you sustained, you may be unable to work while you are recovering. If a doctor states that you are unable to work due to the injuries you suffered on the job, you will be entitled to temporary disability payments. Temporary disability payments are designed to provide you with income while you are out of work. In most states, you receive about 2/3rds of your average weekly salary to compensate you for your inability to work. Also keep in mind that these payments are tax-free.
Permanent Disability Payments
In some instance, the injuries you suffer are so severe that you will be left with permanent disabilities. For example, if you suffered a back injury at work, you may never be able to lift more than 25 pounds again or may always have pain in your back. If your doctor, or the doctor that a workers compensation insurance company sends you to, states that you have permanent disabilities as a result of the injuries you sustained at work, you will be monetarily compensated for those injuries. Each state has a disability rating table that is used to determine what injuries are worth what amount.
Job Retraining Benefits
The last benefit that you may be entitled to if you were injured on the job is job retraining benefits. If you are unable to ever return to the line of work you were in due to the injuries, you may be able to receive money to take courses that will train you to earn a living doing something else that you are able to do. This helps you to return to the workforce.
If you were injured on the job and your workers compensation claim has been delayed, denied or you do not feel you are getting the benefits that you are entitled to, contact a workers compensation attorney today. They can help you get your claim accepted and work towards getting you all of the benefits you are entitled to. For more information, contact companies like Fitzpatrick, Skemp & Associates LLC.