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What Is Workers Compensation? Workers' compensation is a type of insurance that provides medical and cash benefits for employees injured during work. It is a policy that protects employees and provides employers with incentives to prevent injuries from work. The system is based on the type of business it operates, its payroll and history of workplace injuries (referred to as an experience rating). It's also governed by state laws. It pays for medical expenses Workers compensation insurance typically covers medical costs and lost wages for injuries sustained while at work. There are many types of medical bills covered by workers compensation insurance. These include doctor's visits or emergency medical care, hospitalization as well as lifesaving surgery, medical treatment, rehabilitation therapy, medication and pain medications. There are many states that have statutory limitations on the types of treatment they will accept. In certain instances, your insurer may require you to undergo an independent medical exam. This is a great way to determine whether additional treatments will benefit your recovery from a work-related injury. In addition, all states have an annual mileage rate that can be used to trips to and from appointments. The rate varies but is usually less than $15 cents per miles. Another benefit of workers compensation is that it covers a wide variety of medical procedures and treatments that are not covered by your private health insurance or Medicare. This includes physical therapy (chiropractic treatment), massage therapy and acupuncture. The type of treatment allowed by your workers' compensation benefits will be based on the rules of your state and the medical guidelines issued by the Workers' Compensation Board. Your doctor may ask for an exception from these guidelines to get treatment approved in certain cases. This is not always possible. In some cases, however, workers' compensation boards might not be able to approve treatment. Workers' compensation plans don't typically cover alternative treatments like acupuncture and biofeedback. As with any type of claim, it's important to declare your injury when you are aware of it and set an appointment with a medical professional. It will be much easier to get your medical bills paid and prove that your job caused the injury. You can also request your employer to send you a copy of your medical bills to ensure that your treatment and related costs are properly paid for. This will allow you the ability to concentrate on your recovery and provide you with the peace of mind that you are receiving treatment and all associated costs in a timely manner. It pays for the loss of wages Workers who suffer injuries at work and are unable to return to work could be eligible for lost wage benefits. These benefits are typically covered by workers compensation insurance. The formula used by the majority of states to determine how much an injured worker is entitled to for lost wages is fairly standard. This amount is determined by the average weekly salary the worker was earning before being injured. The figure may not be accurate and can be complicated. Workers' compensation was created in the late 19th century in order to protect workers and provide cash benefits and medical care for injured or sick workers. In addition to these benefits imposed by law Some states also allow employees to sue their employers if they are injured or ill during their work. In general, an employee who is injured for a short period must seek benefits within three days of the incident. This timeframe can be extended if a medical professional states that the employee will not be ready to return to work within 14 days after the injury. If workers' compensation lawsuit augusta is temporarily disabled, he or she may be eligible for compensation of two-thirds of the average weekly wage , up to the limit set by law. In most states this benefit is paid every two weeks until an employee recovers from his or her injuries. Without the assistance of a skilled lawyer, workers' compensation claims can prove difficult and expensive. Employees who have been injured must go through a process that involves attending hearings before a 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 will not be able do so for the next time. They must also show that their injury or illness has affected their ability to earn money. This process can be difficult and risky for employees who aren't represented. Most of the time, the insurer company of the employer will hire lawyers to fight these claims. All workers' compensation claims are reviewed by the state-level Workers Compensation Board which includes judges and appeals system. To support their claims for lost wages or other benefits, injured workers have to provide evidence, including medical records and testimony by doctors. It pays for permanent disability A work-related illness or injury can be devastating. You may 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 are able to return to work. The kind of disability benefits you receive will depend on the severity and the nature of the injury. You can receive cash benefits for a temporary disability, permanent partial disability, or permanent total disability. Temporary total disability (TTD) is awarded when an injured worker's work-related accident can't allow them to return to the position they had before their injury occurred. TTD benefits are usually ended when a doctor states that the injury suffered by the worker has not become permanent , or when the worker is capable of fully recovering and be back at work. Permanent partial disability (PPD) is granted when a person has a physical impairment that severely restricts their ability to work but not completely disables them completely. The worker's ability to perform the job is the determining factor in the amount of PPD benefits. These benefits from PPD can be made up of cash or medical benefits. They can last as long as you need them. It's important to remember that these benefits aren't easy to understand and a skilled worker' compensation attorney can guide you through it. In determining the amount of permanent disability benefits the workers compensation commission takes into account your age, profession and limitation of movement. It also takes into consideration your pain and the impact your disability has on you life. If you've been approved for a permanent disability rating, the compensation board assigns an amount of your earnings to reflect the percentage of your earning capacity that was hampered due to your condition. A person with a 100% impairment rating due to an injury to the back will be eligible for 350 weeks of disability benefits for permanent impairment. Typically the compensation board sends your PD check within two weeks after a doctor's determination that you have permanent disability. This payment is based on 60 percent of your average weekly salary. It pays for death Workers compensation can help you pay for funeral expenses and associated expenses of your loved one regardless of whether they died due to a work accident or occupational illness. Workers compensation will help with funeral expenses as well as medical expenses that the worker incurred prior to his death. Death benefits in most states are paid out in monthly installments. This amount is determined by the workers' average weekly wage prior to their death. The percentage of death benefits varies from state to state, but it usually ranges between two-thirds and three quarters of the worker's average weekly wage and can be capped at minimum and maximum amounts. These benefits are usually given to the spouse, or any other dependents of the worker. These benefits may include burial fees. In some cases the child who is surviving may receive cash payments as well. The amount of these benefits will be contingent on the degree of dependency of the dependent seeking compensation. A child or spouse that survives is considered to be a total dependent if they were living with the deceased at the time they died. If they did not reside with them or with them, they are considered partial dependents and are qualified for death benefits only if they can prove the deceased worker provided them with substantial financial benefits. Other dependents, like siblings and parents are considered to be dependent if they depended upon the deceased person for a significant amount of their financial support prior to their death. Partially dependents get a pro-rata portion of the total benefit rate for death benefits, which is determined by the amount they rely on the deceased. In some states, these death benefits are not paid in installments, but instead are paid in one lump sum. This lump sum sum is two-thirds of the worker's average weekly income and is paid until a set period of time or a certain number of years have been passed. The state's laws limit the amount of money that the dependents of the deceased worker are entitled to in these months and over the years.