Workers Compensation Benefits - What You Must Know

The main benefit of workers' compensation is payments for lost wages, medical care, physical rehabilitation and, unfortunately, in some cases, death benefits.

Lost wages are paid when you experience a temporary disability or permanent disability. In the event that you are permanently disabled, a claim for workers' compensation benefits can give you a lump sum payment based on your life expectancy and current wages.

Most states, such as Florida, include provisions in workers' compensation laws that allow injured employees to enter rehabilitation programs. This benefits both employees and employers because those workers can re-enter the workforce shortly after their rehabilitation treatment, or even during.

For almost all cases, it is the workers 'compensation insurance company that will decide whether or not workers' compensation benefits will be paid. They will also approve any rehabilitation or lump sum payment.

If the insurance company does not approve the workers 'compensation claim, the employee or flier has the right to appeal the decision to a workers' compensation board or industrial commission.

You must file a workers' compensation claim within one year from the time of the injury. The claim can be filed by the employee or his family. The longer you wait to file a workers' compensation claim, the more likely you are to be suspected of fraud.

Therefore, it is important to request compensation from the workers as soon as possible.

You must notify your employer or company of your injury within 30 days after the accident or injury at work. This period of time varies from state to state; however, most require a presentation within 30 days. If you do not notify your employer, you may end up losing your benefits and any claims to them. Keep in mind that notifying your employer is not the same as filing a claim for actual benefits, both are separate actions.

To notify an employer of a workers' compensation injury, you must inform someone in a management position about the incident that caused your injury. You can not simply tell a co-worker. There may be some cases where you can not tell your employer because you are in the hospital, so under that circumstance you can be excused if you miss the deadline, but it is not a guarantee.

Once your employer becomes aware of your injury, you can file a report with the state worker's compensation board (or industrial commission). The employer can also notify the worker's compensation insurance company. Only then will the insurance company start paying your medical bills and a portion of your weekly wages (up to 66%).

If the insurance company denies your claim, you must appeal to the state workers' compensation board or industrial commission. This can lead to even more appeal and arbitration if your application is again rejected. In such extreme cases, you should probably seek the help of a workers' compensation lawyer who can help you get what you are owed.

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Workers Compensation Benefits - What You Must Know

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