Uncategorised Articles
posted on 20 February 2012
Once you are hurt in the workplace, on a job site or you become sick you will be sent to a worker compensation clinic. A claim is opened and after an examination you are usually sent home with directions to come back for a follow up. The work accident compensation benefits for the injury or illness is the doctor's time and any medicine they prescribe to you, any surgeries and/or therapies you may need.
Temporary disability paychecks are sent twice a month unless you can stay on the job with a few changes to fit your new limitations. Most construction employers will not want you back on the job even if you feel you can still be somewhat of a productive employee. If your modifications are not accepted at work or your injury is very serious and you must stay home to heal you will receive temporary disability paychecks twice a month for 104 weeks (if you are burned or have black lung you will receive the temporary disability benefit s for 240 weeks) unless you return to work during any time during the disability. After this runs out you can file for the state social security disability benefits there is no guarantee that it will come as soon as your temporary disability runs out. The money you will receive from disability whether it is the temporary or state security, it will never be the same amount that you received from working. Don't expect to live the same lifestyle as you did before the injury. In fact as a person who was injured on the job you shouldn't be doing anything except for what the doctor has said you can do.
Living down from your regular paycheck to living on disability can bring on depression from the feeling that you are not able to bring in enough bacon. You have to fight the feeling back, after all there is no reason that you cannot be retrain to work in another field. With new training comes a sense of relief and a lift from the depression. New training can also help you to heal faster and it can bring back some sense of relief because you are bringing home the bacon again. |
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posted on 19 February 2012
Description Of Work Accident Compensation.
Employers are mandated by state law to provide workers compensation insurance to substitute loss wages from a work related injury. The insurance will cover lost wages and medical expenses that you may obtain from you injury. The workers compensation program rules and regulations vary from state to state, but all states are mandated to carry a workers compensation program. You can check with you local department of labor office to fine all the FAQ on your state's workers compensation program.
What kind of accidents are covered by Workers Compensation Insurance?
All work related injuries is covered by workers compensation insurance, no matter whose fault it is. However, some states require the the injured person be drug tested to see if the injured person was under the influence of any drug at the time of the accident. If the person is found positive for being under the influence of drugs at the time of accident, then the injured can be denied a claim from the workers compensation program. Also an investigation usually follows the accident to make sure that the person was injured on the job and not somewhere else. Also it has to be determined if the accident was self inflicted or not, and to see if the employee was following company policy and safety procedures. If the investigation shows that the employee was not following regulations or that the injury occurred off the job, then the claimant will be denied a claim.
Expenses that Are Covered BY Workers Compensation Insurance.
The Insurance does substitute your wages, usually it only pays two thirds of your regular salary. The wage replacement in not taxed, so it should be close to your normal income. It does cover all medical expenses, doctors, prescriptions, lab test, x-rays and even travel expenses for the injured employee. Workers compensation insurance will also pay for the employee to be retrained to go back into the job market, if you injury requires for you to be retrained. They also pay compensation for permanent injuries and will pay survivor benefits in case the injury resulted in a death of the employee. |
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