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What Is Workers Compensation Insurance Workers Compensation is a type of insurance that provides medical attention and cash compensation to those who are injured or become ill as a result their job These systems were designed to protect employees and encourage employers to work in a safe manner Workers comp is a nofault system in which employees are not required to prove that their employer is responsible for their injury Instead they receive timely and fair compensation for their injuries or illnesses It covers medical expenses Workers compensation provides medical treatment and also replaces a portion of lost wages when workers are off work for an extended period of time due to an illness or injury that was caused by work Workers who die in an accident or illness at work may also be eligible for funeral and burial costs The amount an employee receives in workers compensation benefits is determined by various factors such as the nature and severity of their disability Also workers compensation attorney kent of benefits is affected by the cost of medical treatment and the amount of claims To be eligible for workers compensation benefits you must report a workrelated injury to the Workers Compensation Board within a predetermined number of days If you dont report your injury right away you could lose all or a portion your wages and benefits until your claim is approved by the Board Insurance companies and state agencies that selfinsure often work together to expedite the process of getting an injured worker medical treatment and benefits They will assist employers to file promptly the first notice of injury with the agency responsible for overseeing workers compensation in their state this step could trigger the claim process Many states have medical treatment guidelines that allow doctors and other health care professionals to obtain authorization for the majority of the care they provide for common injuries This helps reduce the amount that employers must pay for medical as well as treatment It also helps to reduce time by reducing necessity for medical records to be provided to the insurance company In some states it is possible for a medical professional to charge an insurance company for treatment that was not approved by the workers compensation system These bills are referred to as balance billing In these cases you or your physician may ask the Board to review the denial and then make an appropriate decision as to whether the treatment should be covered by the Having an attorney represent you in your workers compensation case will help you to make the process simpler and ensure that all the required paperwork is filed with the workers comp system An attorney can also help you negotiate with the insurer to obtain medical treatment that is covered by the workers compensation program It pays for lost wages If someone is injured or becomes ill as a result of a workplace accident or illness workers compensation compensates them for medical expenses and lost wages Also it pays funeral benefits to the family of a worker who dies due to an injury or illness that occurred on the job The person who is eligible for these benefits by filing a claim with the Workers Compensation Board of the state You can appeal your claim to the Workers Compensation Appeal Commission The amount of money you can receive from workers compensation depends on your medical condition and how much you made prior to the accident Your claim is usually paid as a percentage your earnings at the time that you sustained your injury You can get twothirds your Average Weekly Wage in the majority of cases subject to the laws maximum value These benefits will be available until your doctor has approved that you can return to work After that the payment will cease If your doctor decides that you are unable to work due to an illness or injury you may also be eligible for Temporary Total Disability or Temporary Partial Disability These payments will be based on your average weekly wage at the date of your accident or illness Another benefit is Reduced Earnings which may be paid for work that is less than you normally would due to injury or illness This could help you save money on wages when your employee is away from work In many cases the loss of pay from an accident or illness can be difficult to handle You may not be able to pay your mortgage payment or pay your electricity bills Workers compensation insurance will require proof of income This could be the pay slip payroll records or any other proof of your income before your accident You may also submit proof of your injuries or illnesses These documents can be used to prove the severity of your injury or illness and the length of time you were off from work It pays for permanent disability Workers compensation is designed to provide medical expenses wage loss and death benefits in the event of a workrelated injury or illness It also covers longterm disability impairment in income to assist injured workers who are unable to work because of their injuries Permanent disability ratings are compiled by workers compensation insurance providers in accordance with the extent to which an injury affects a workers ability to work and earn The ratings are made by independent experts The rating process involves an independent medical exam A medical impairment report is completed by the doctor that determines the impact of the condition of the employee on their job future earnings potential and other variables Depending on the severity and severity of an employees disability they may be granted temporary partial disability permanent total disability or permanent total disabilities Generally those with permanent total disability are paid twothirds of their average weekly pay up to a maximum set by the state Workers who are able perform certain tasks but are unable or are unable to perform them as well as they used to can receive partial disability payments This can occur in cases of sprains or fractures and other injuries that affect the body part For instance Illinois workers can receive a permanent partial disability payment equal to 205 weeks and 60 percent of their average weekly wage This is 360 Many states also allow workers to be granted permanent partial disability if they suffered a disfigurement that is a significant permanent change to the appearance of a person because of their injury These changes include scars from a burn cut or any other workplacerelated injury If you are granted an irreparable partial disability you must consent to an evaluation of your condition by an independent medical professional These are referred to as Impairment Rating Evaluations or IREs An experienced professional completes the IRE to determine if your impairment is severe enough to mean that you qualify for permanent disability This assessment is essential in determining whether you are eligible for benefits over the long term After the IRE is completed the worker is able to decide if he or she wants to apply for permanent disability benefits If the person suffers from a severe disability they can request an allin lump sum of money to provide a portion of the total benefits It pays for death Workers compensation death benefits could be offered to the family of an employee who dies as a result of an injury that was sustained while at work These payments can assist the spouse who is left behind andor dependent children pay funeral and burial expenses Each state has its own laws on the amount the family member of a deceased employee could receive It is important to speak with a workplace injury lawyer who is familiar with the laws in your state as well as workers compensation laws Also you must be aware of how the amount is calculated and how long it lasts The amount of money paid to a dead workers family depends on the relationship they have with the deceased and how dependent financially they were on the deceased For instance a survivor spouse and dependent children will each receive a portion of the deceased employees average weekly income if they meet certain eligibility requirements If you have loved ones who have been killed in a workrelated accident It is essential to file your claim for workers compensation benefits as soon as you can This is so that you will receive the maximum amount of compensation for your loss The loss of a dear person can cause emotional and financial stress As you grieve the loss of a beloved one it can be difficult to concentrate on your work or other aspects of your life This makes it difficult to determine how to proceed with the case It can be difficult to decide whether youre doing the right thing by submitting an application for death benefits or if you should instead take legal action against the party responsible for your loved ones death Whatever way you decide to proceed its best to consult an experienced Macon workers lawyer as soon as you can This will help you get the money you need and the justice you deserve for your losses The amount of a workers familys death benefits is determined by a complex set of rules 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 also on the kind of job the worker held