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What Is Workers Compensation Insurance Workers compensation is a system of insurance that offers cash benefits and medical care for those who are injured or sick due to their work The system was created in order to assist employees and help employers to work safely Workers comp is a system that is nofault meaning employees do not have to prove that their employer was the cause for their injuries Instead they receive timely and fair compensation for injuries or illnesses It pays for medical care Workers compensation pays medical care and helps to replace a portion of lost wages when a worker is off for a prolonged period of time due to an illness or injury that was caused by work Workers who are killed by accident or illness at work may also be eligible for burial and funeral expenses The amount an employee receives in workers compensation benefits is determined by a variety of factors including the severity and nature of their disability Premiums are also impacted by the cost of medical care and the number of claims You must notify the Workers Compensation Board within a specified time period if you wish to be eligible to receive benefits from workers comp If you dont declare your injury as soon as possible then you could lose all or a portion your benefits and wages until your claim is accepted by the Board Insurance companies and state agencies that selfinsure also often work together to expedite the process of getting an injured worker medical treatment and benefits They can assist employers in filing an first notification of injury with the state agency that oversees workers comp in their state This can be an trigger for the claim process Many states have guidelines for medical treatment which permit doctors and other health professionals to be authorized to provide most of the treatment they provide for common injuries This reduces the amount of money that employers must pay for medical treatment and treatments It also reduces time because it doesnt require medical records to be sent directly to insurance companies In certain states it is possible for a physician to bill an insurance company for treatment that was not approved by the workers compensation system These are referred to as balance billing In these instances you or your doctor can ask the Board to review the denial and make a decision about whether the treatment should be covered by the An attorney can streamline the process and assist you complete all paperwork required by the workers compensation system An attorney can also help you negotiate with your insurance to obtain medical treatment that is covered under the workers compensation program It covers lost wages When someone is injured or becomes ill because of a workrelated accident or illness Workers compensation reimburses the medical bills and lost wages It also provides for the family of workers killed or injured on the job These benefits are available to any who submits a claim to the states Workers Compensation Board You can appeal the claim to the Workers Compensation Appeal Commission The amount of money you receive from workers comp is contingent on your medical condition and how much you earned prior to the accident The claim will usually be paid as a percentage your earnings at the time you suffered your injury You can receive twothirds of your Average Weekly Wage in the majority of cases subject to the laws maximum limit These benefits are available until your doctor is satisfied that you can return to work After that the payment will stop If your doctor has determined that you are unable to work after an injury or illness you may also be eligible for Temporary Total Disability or Temporary Partial Disability These payments will be determined by your average weekly wage at the time of your injury or illness Another benefit is Reduced Earnings that can be a benefit in the event that you work less than you normally would because of your injury or illness This could help you save money on wages while your employee is away from work Often the loss of income due to an illness or injury can be difficult to bear It is possible that you will not be able your mortgage payment or pay the electricity bills The workers compensation insurance company will request to prove your income at the time of your accident This could be a pay slip payroll records or any other evidence of your income before your accident Also you can provide evidence of your injuries and illnesses workers compensation attorney new jersey can be used to demonstrate the severity of your injury or illness and how long you were away from work It covers permanent disability Workers compensation provides medical treatment wage loss and death in the case that a worker injured or suffers illness while at work It also provides longterm disability impairment income to pay injured workers who suffer longterm effects of their injuries that prevent them from working Insurance companies for workers compensation determine permanent disability ratings based on the degree to which an injury impairs a workers ability to work and earn These ratings are done by independent experts A medical examination is essential for the process of rating The doctor will complete an impairment report for medical conditions estimating the impact of the employees illness on their job and earning capacity Depending on the severity and the extent of the employees disability they may be granted temporary partial disability or permanent total disability or permanent total disabilities Generally those with permanent total disabilities receive twothirds their average weekly pay up to a limit set by the state Workers who are able to complete certain tasks but arent able or unwilling to do them as effectively as they used to receive partial disability payments This may occur in the aftermath of strains or fractures or other injuries that affect a specific body part For example Illinois workers can receive a permanent partial disability payment equivalent to 205 days and 60 percent of their weekly average wage This is equivalent to 360 Many states also allow workers to be granted permanent partial disability for disfigurement which is a serious and permanent change in the appearance of an individual due to their injury These may include scarring caused by a cut burn or other workrelated injury You must agree with an independent professional to evaluate your condition in the event that you are given permanent partial handicap These are called Impairment Rating Evaluations IREs The IRE is completed by an experienced professional who determines if the loss of your capacity is significant enough to qualify for permanent disability This assessment is a very important factor in determining right to a longterm benefit award After the IRE is completed the worker is able to decide if he or she would like to apply for permanent disability benefits If the worker is suffering from a serious impairment they can apply for a lump sum to cover a portion of their total benefits It pays for death When a worker dies because from a workplace accident their family may be entitled to workers compensation death benefits These benefits can be used to aid the spouse or children and pay for funeral and burial expenses Each state has its own laws regarding the amount that a family member of a deceased employee may be entitled to so its vital to consult a workplace injury lawyer who knows the laws of your state and is familiar with workers compensation laws Also you must make sure you understand how the amount is calculated and the length of time it will last The amount of compensation a deceased workers family receives depends on how financially dependent they are on the deceased If they meet certain eligibility criteria family members spouses and dependent children will receive a percentage of the average weekly salary of the deceased worker If you are the parent of someone you love who has died in a workplace accident it is important to file your claim for workers compensation benefits as fast as possible This will ensure that you receive the maximum compensation for your loss The loss of a beloved person can cause emotional and financial stress You may be unable to focus on your job or other aspects of your life because youre grieving over the loss your loved one This makes it difficult to decide what to do with a case It could be difficult to determine if doing the right thing by deciding to submit a claim for death benefits or if its more appropriate to pursue legal action against the person responsible for your loved ones death Whatever way you decide to proceed its recommended that you consult a seasoned Macon workers compensation lawyer as fast as you can This will ensure you get the money and justice you need for your losses A complex set of rules determines the amount of a workers familys death benefits These are determined by the degree to which your loved ones were their employer whether they are covered under workers compensation laws in your state and the type of employment they had