If you have been injured or have suffered a work-related injury, it is essential that you understand the worker’s compensation program. This system ensures that injured employees get payment and medical care while they are unable to return to work due to an injury on the job. Workers’ compensation also protects employers from lawsuits filed by injured employees.
Benefits of Workers’ Compensation
Although workers’ compensation claims aren’t always possible to file, they are most definitely worth discussing with the insurance company. Some of the benefits that workers’ compensation offers include coverage for:
- Lost income
- Medical care from the illness or injury
- The cost of retraining the employee
- Permanent injuries incurred on the job
The benefits of workers’ compensation, for the most part, outweigh the negatives. With coverage for medical expenses and temporary disability payments offered during recovery, it is essential to seek help after the injury as soon as possible. Meanwhile, although injured workers do collect their compensation benefits, it is important to remember that they are not allowed to sue the employer. Additionally, awarded compensation does not cover pain and suffering. Finally, the system does not generally cover injuries caused by intoxication or illegal drug use.
How Is the Amount of Workers’ Compensation Pay Decided?
The amount of money you receive through workers’ compensation depends on various factors, including the wage you earned before the injury, the laws of your state, and the nature of your injury. For example, when considering coverage for temporary disability, most states will pay two-thirds of your average salary before you were injured. However, when awarding benefits for permanent disability, it becomes a bit more complicated – depending on what part of your body is affected.
Seek Help from a Workers’ Compensation Attorney
If you were injured at work, you deserve someone to fight for you. Hire a workers’ compensation attorney to push for the compensation you deserve. If an insurance company denies your initial claim, our lawyers could help you with the administrative appeal process. The Costa Ivone Injury Law Group is passionate about helping its clients. Contact our office today to schedule a consultation.