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What Is Workers Compensation Insurance Workers compensation is a system of insurance that offers medical benefits and cash for those who get injured or sick due to their work These systems were developed to help employees and encourage employers to work safely Workers compensation is a no fault system which allows employees to not need to prove that their employer was responsible for their injuries Instead they receive prompt and fair payments for injuries and illnesses It pays for medical care Workers compensation pays for medical expenses and a portion of wages that are lost due to workplace injuries or illnesses Workers who die in an accident or illness on the job can also receive funeral and burial expenses The amount an employee is paid as workers compensation benefits is contingent on many factors including the severity and nature of their disability The amount of premiums is also affected by the cost of medical care and the number of claims To be eligible for workers comp benefits You must report a workrelated injury to the Workers Compensation Board within a predetermined number of days You could lose all or part your earnings and benefits when you wait for the Board to accept your claim Insurance companies and state agencies that selfinsure often collaborate to speed up the process of getting an injured worker medical treatment and benefits They can help employers file promptly a first notice of injury with the agency that oversees workers compensation in their respective states this step can trigger the claim process Many states have guidelines for medical care that assist doctors and other health professionals get authorization for much of the treatments they offer for common injuries This can help reduce the amount employers pay for medical expenses and treatment and also helps to reduce time by reducing need for medical records to be provided to the insurance company In certain states it is possible for a physician to charge an insurance company for treatment that was not approved by the workers compensation system These bills are referred to as balance billing workers compensation attorney stockton or your physician can ask the Board to review the denials and make the decision on whether treatment is warranted to be paid The assistance of an attorney in your workers compensation claim can help you to make the process simpler and ensure that the proper paperwork is filed with the workers comp system An attorney can also help you negotiate with the insurance company to receive medical care that is covered under the workers compensation program It covers the loss of wages Workers compensation covers medical expenses and lost wages for anyone who is injured or becomes sick on the job It also covers the families of workers who die or injured on the job One can be eligible for these benefits by filing a claim with the states Workers Compensation Board You can appeal the claim to the Workers Compensation Appeal Commission Workers compensation will pay you an amount that is based on your health and the amount you earned before your accident Your claim is usually paid as a percentage your income at the time you sustained the injury In the majority of cases youll be able to receive twothirds of your Average Weekly Wage up to a maximum amount set by the law These benefits are available until your doctor has approved that you can return to work After this the payments will cease You may also be eligible for Temporary Total Disability TTD or Temporary Partial Disability TPD in the event that your doctor concludes that you are unable to work at all after your injury or illness These payments will be based on your average weekly income at the time you were injured or sick Reduced Earnings is a different benefit This benefit could be granted if you have to work less because of injury or illness than normally would This could be a great method to save money on wages while your employee is off of work In many cases the loss of pay due to accident or illness is difficult to handle You may not be able your mortgage payment or pay for electricity bills Workers compensation insurance requires proof of income This can include the pay stub of your employer payroll documents or any other proof of the amount you earned before your injury or illness Additionally you may provide medical documentation regarding your injuries or illnesses These documents can prove how serious the injury or illness is as well as the length of time you had to miss work It is a benefit for permanent disability Workers compensation provides medical care wage loss and death in the case of an employee being injured or becomes ill while at work It also provides longterm disability impairment in income to assist injured workers who are unable to work due to injuries Workers compensation insurance providers calculate permanent disability ratings based on the degree to which injuries affect a workers ability to work and earn These ratings are made by independent professionals The process of rating involves an independent medical exam The doctor will prepare an impairment report for medical conditions estimating the impact of the employees condition on their job and earning capacity Depending on the severity of an employees medical condition it is possible to grant temporary total disability or permanent partial disability or permanent total disability In general those with permanent total disabilities receive twothirds of their typical weekly pay up to a maximum set by the state Partially disability benefits are granted to those who are able to perform some tasks but are unable to do them as fully as they once did This can occur in cases of sprains or fractures and other injuries that affect an area of the body In Illinois for example those who are permanently disabled by a loss of one hand can collect an annual partial disability payment that is 205 weeks times 60 percent of the workers average weekly earnings which is 360 Certain states allow workers to be granted permanent partial disability if theyve suffered a disfigurement This is a serious and longlasting change in the appearance of someone due to their injury This includes scarring from burns cuts or other workrelated injury If you are granted an indefinite partial disability you must agree to an evaluation of your condition by an independent medical professional These are referred to as Impairment Rating Evaluations or IREs The IRE is completed by a qualified professional who determines if the loss of function is significant enough to qualify for permanent disability This is a crucial step in determining whether youre eligible for longterm disability benefits Once the IRE is completed the worker will be able to decide if they want to apply for permanent disability benefits If the person suffers from a serious disability they can request a lump sum to provide a portion of the total benefits It pays for death When a worker dies of an accident at work the family could be entitled to workers compensation death benefits These payments can be used to help the spouse or dependent children and also pay for funeral and burial costs Each state has its own rules on the amount a family member of a deceased employee may receive so its important to consult with a work injury lawyer who knows the laws of your state and is acquainted of the laws governing workers compensation It is essential to know how the amount is calculated and how it lasts The amount of compensation given to the family of a deceased worker depends on their relationship with the deceased and how financially dependent they were of the deceased If they meet the eligibility requirements family members spouses and dependent children will get a portion of the weekly average wage of the deceased worker It is crucial to file a claim for workers compensation benefits if you have lost a loved one due to a workplace accident This is so that you can collect the maximum amount of compensation for your loss In addition to the cost of living the loss of a loved one may be devastating on a personal level Its possible youll be unable to focus on work or other aspects of your life because youre grieving over the loss of your loved one This could lead to issues when deciding the best way to handle a case It isnt easy to determine if youre doing the right decision by filing an application for benefits payable to the deceased or if you should instead pursue legal action against the party responsible for the death of your loved ones Whatever way you decide to proceed its always best to consult with an experienced and experienced Macon workers compensation lawyer as soon as you can This will allow you to get the money you need and the justice you deserve for your loss A complicated set of rules determines the amount of a workers familys death benefits The amount depends on the degree of dependence your loved one was on their employer if the employer is covered under workers compensation laws in your state and the type of employment the worker had