If you have been injured at work, you may be entitled to full compensation from the worker’s comp insurance policy held by your employer. This compensation can reach tens of thousands of dollars may pay for medical treatment for your injuries as well partial wages for any work you missed that was not covered by vacation.

 

What Workers’ Compensation is and What It Covers

Workers’ compensation is an insurance required by most states for employers that meet specific criteria. It covers employees who are hurt at work or as they go about their normal duties even outside the main worksite.

 

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This insurance policy covers three aspects of an injury. First, it covers medical bills that result from treatment of the injuryץ The second aspect of workers’ compensation pay is for recovery costs. Once the initial injury is diagnosed and treatment, the worker’s bills will be paid as they recover until they are released by the doctor and the case is closed. The third aspect of payment is for partial wages while the person is off from work. Workers’ compensation pays a portion of the worker’s wages until they are able to return to work.

 

Types of Disabilities

Some injuries are more serious and require a longer period of recovery. Some may even be permanent and affect the person’s ability to return to work at their present job or in a new capacity. A permanent partial disability may be declared if the injury is permanent but does not prevent the person from ever holding a job in the future.

 

In some situations, you may receive a settlement if you had surgery for a work-related injury that was successful but does not return your body to its pre-injury state 100 percent. You will likely be offered a settlement amount that is relative to your permanent partial disability. For example, if you are 30 percent disabled in your arm, you will be paid out for the dollar amount that corresponds to the 30 percent disability.

 

You may also suffer from a temporary total disability. In this condition, it is expected that you will heal, but you are completed disabled at the time. In most cases, you will be paid for this time when it occurs. However, the payment may have been delayed or you may not have received the full amount.

 

Why You Need To Consult With An Expert

As a worker, you are often at a disadvantage in a workers’ compensation case. You may be restricted on the kinds of treatment you receive and even what doctor you see. It can be difficult to determine how much compensation you are entitled to based on your injury. However, an attorney can determine the amount of compensation you should receive based on the rating of your injury. They can argue on your behalf to ensure you are awarded the full amount to which you are entitled. Hiring an attorney early in the process also allows you to focus on getting well and receiving the best care. They can handle any negotiations with the insurance company to ensure your bills are paid and you don’t lose out on wages during this time.

 

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