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What Is Workers Compensation Insurance Workers compensation is an insurance system of insurance that offers cash benefits and medical treatment for those who are injured or sick due to their job These systems were developed in order to assist employees and help employers to work in a safe manner Workers compensation is a no fault system which allows employees to not have to prove their employer was responsible for their injuries Instead they receive fair and prompt payments for their injuries or illnesses It covers medical expenses Workers compensation covers medical expenses and helps to replace a portion of lost wages when the worker is off work for an extended period of time because of an injury or illness at work Workers who are killed by accident or illness on the job can also receive funeral and burial expenses The amount an employee receives in workers comp benefits is determined by various factors including the severity and nature of their disability Premiums are also affected by the cost of medical treatment and the number of claims You must inform the Workers Compensation Board within a specified time frame if your goal is to be eligible for benefits under workers compensation If you dont notify the Board of your injury immediately you may lose all or a portion your wages and benefits until your claim is approved 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 a first notification of injury with the state agency in charge of workers compensation in their state This step could be a trigger for the claim process Many states have guidelines for medical treatment that aid doctors and other health care providers obtain authorization for a large portion of the treatments they offer for common injuries This can reduce the amount of money employers have to pay for medical treatment and treatments It also reduces time because it doesnt have to require medical records to be delivered directly to insurance companies In certain states it is possible for a doctor to bill an insurance company for treatments that were not approved by the workers compensation system These are known as balance billing In these instances you or your doctor may request the Board to examine the denial and make a an appropriate decision as to whether the treatment should be paid for An attorney can help simplify the process and assist you fill out all forms required by the workers compensation system An attorney can also assist you negotiate with the insurance company to receive medical care that is covered by the workers compensation program It covers lost wages Workers compensation pays medical expenses and lost wages for those who suffers injury or becomes sick while at work Also it pays funeral benefits to the relatives of a worker killed because of an accident or illness on the job These benefits are available to any who submits a claim to the states Workers Compensation Board The claim can also be appealed the states Workers Compensation Appeals Commission The amount of money you will receive from workers comp is contingent on your health and how much money you made prior to your accident Your claim will generally be paid as a percentage your earnings at the time you suffered the injury In most instances youll get twothirds of your Average Weekly Wage up to a maximum amount stipulated by law The benefits you receive are usually available until your doctor has said youre able to return to work after which the benefit ceases If your doctor determines you are unable to work after 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 earnings at the time you were injured or ill Reduced Earnings is yet another benefit This type of payment can be given if you work less because of illness or injury than you normally would This can be a good method to save money on wages when your employee is out of work In many cases the loss of pay due to injury or illness can be difficult to manage It is possible that you will not be able to make your mortgage payments or pay your electricity bills Workers compensation insurance will require proof of income This could include an employee pay slip payroll records or any other proof of your earnings prior to your injury You may also provide documentation regarding your injuries and illnesses These documents can be used to show the severity of your illness or injury and how long you were off work workers compensation attorney appleton covers permanent disability Workers compensation covers medical treatment wage loss and death in the case of an employee being injured or becomes ill at work It also covers longterm disability impairment income to pay injured workers who suffer permanent effects from their injuries that stop them from working Workers compensation insurance companies calculate permanent disability ratings based on the extent the injury affects a workers ability to work and earn These ratings are performed by independent experts The process of rating involves an independent medical exam The doctor will prepare an impairment report that estimates the effect of the condition on their job and earning capacity Depending on the severity of an employees health the employee may be granted temporary total disability permanent partial disability or permanent total disability Permanent total disability generally consists of twothirds of the average weekly wage but subject to a maximum amount set by the state Workers who are able perform certain tasks but are unable or unable to complete them in the same way as they used to can receive partial disability payments This may be the case in cases of fractures sprains and other injuries that affect a body part For instance Illinois workers can receive a permanent partial disability payment equivalent to 205 weeks and 60 of their average weekly wage This is 360 Some states allow employees to be granted a permanent disability if they have suffered a disfigurement This is a serious and lasting change in appearance of a person as a result of their injury These changes can be caused by scars from a burn cut or any other injury that is related to work You must agree to an independent expert evaluating your condition if youre granted an indefinite partial handicap These are known as Impairment Rating Evaluations or IREs An experienced professional performs the IRE to determine if the loss of function is severe enough to indicate that you qualify for permanent disability This is an important factor in determining eligibility for a longterm benefits award After the IRE is completed the worker is able to decide if they wish to apply for permanent disability benefits If the disability is severe then the worker could also request a lumpsum payment of an amount of their total benefit amount It pays for death Workers compensation death benefits may be offered to the family of a worker who dies from an injury sustained while working These payments may help the spouse who died andor dependent children pay funeral and burial expenses Every state has its own laws on how much relatives of a deceased employee may receive It is essential to consult a work injury lawyer who is wellversed in the laws in your state as well as workers compensation laws Youll also need to make sure you understand how the amount is calculated and the time frame it takes The amount of compensation a workers family receives is contingent upon how financially dependent they are on the deceased For example a surviving spouse and dependent children will each get a portion of the average weekly income when they meet certain eligibility requirements If youve lost a loved one who has died in a workplace accident it is imperative to file your claim for workers compensation benefits as quickly as you can This will ensure that you get the maximum compensation for your loss In addition to the financial burden the loss of a loved one may be devastating for the individual Because you are grieving the loss of a beloved person it could be difficult to focus on your work or other aspects of your life This could lead to issues in making decisions about the best way to proceed with the case It can be difficult for you to determine if doing the right thing and make a claim for death benefits or if its better to take legal action against the person responsible for the death of your loved one No matter how you decide to proceed it is always recommended to speak with an experienced and skilled Macon workers compensation attorney as soon as possible This will ensure that you receive the compensation and justice that you are entitled to for your losses The amount of a familys death benefits is determined by a complicated set of rules These depend on how dependent your loved one was their employer whether the employer is covered by workers compensation laws in your state and the kind of job the worker held