Workplace-related accidents can affect you in many ways. If you're involved in such an incident, it's essential to understand what benefits you're entitled to under workers compensation law to ensure you receive proper treatment and reimbursement for your injury. There are many types of benefits you can receive depending on your situation and state's laws. This article discusses three types.
1. Medical Care Benefits
These benefits are unlimited and cover expenses such as hospitalization, x-rays, laboratory services, prescription drugs, medicines, needed medical supplies, prosthetics, and other rehabilitation services. Your employer's insurance company pays them through a third-party administrator, who handles all aspects of reimbursement according to the policy's and state's rules.
If your employer does not provide medical care, and you need it, contact an attorney to get help. They'll help you file a claim with an insurance company and work to get you the treatment you deserve. They may also sue your employer for damages if their negligence led to your injuries, ensuring you receive justice and fair compensation. In addition, they can also help you file a claim with the state Workers Compensation Board and protect your rights if a dispute arises over who will pay for or provide medical care.
2. Lost Wages Benefits
Your injuries may prevent you from working during the period of your recovery. If you're the sole provider of your family, this can be a difficult time for you and your loved ones. Luckily, workers compensation law can enable you to receive lost wages benefits. You can use this money to pay for your living expenses, such as rent and utilities, and any other expenses related to your recovery.
The amount of these benefits will vary based on your average weekly wage (AWW). Most state workers comp laws recommend two-thirds of the difference between your average weekly wage and what you're earning at work.
3. Disability Benefits
If your injury is so severe that it prevents you from working normally, you may be entitled to disability benefits. The amount of this benefit varies by case and specific factors, like dependents, age, and the type of disability. An attorney can help you determine what type of disability benefits are best for your case. If you've lost hearing or sight, they may seek rehabilitation costs for you to learn new skills and adapt to your disability. On the other hand, if you're unable to work entirely, they'll make a case for a lifelong benefit. In both cases, your attorney will be responsible for locating and tracking all necessary medical records and presenting them to the insurance company.
Workers compensation law is vital because it will enable you to receive a specific amount of benefits from your employer in the event of an accident. Hire a lawyer today if you want this process to be smooth.
For more information on workers compensation law, contact a lawyer near you.