What Can I Expect? Understanding The Compensation In Workers' Compensation
Workers' comp is a valuable benefit for those hurt at work, but most hurt workers are confused about what to expect in the form of compensation. Read on to learn about the four main areas of compensation for those who experience an on-the-job injury.
Medical Expenses: From an ambulance ride to the hospital to continuing physical therapy treatment, every single medical aspect of your case is covered. Your main consideration should be abiding by the rules about who to see for your treatment; you may have to use specific doctors for your care. Check with your supervisor but go to the nearest hospital in an emergency. As long as your doctor orders it, workers' comp will pay for it, including:
- Doctors visits
- Diagnostic tests
- Hospitalizations
- Surgeries
- Rehabilitation at a care facility and at home
- Medications
- Durable medical goods (crutches, braces, walkers, raised toilets, shower chairs and more).
- Physical therapy
Rehabilitative Care
If it is ruled that you have a permanent injury, you may never be able to return to your old job. This does mean, however, that you can do other in the future. If you can be retrained for another position at your present employer or if you can be retrained for another position anywhere, you may be offered rehabilitative training. This type of training might include not only job training but career testing and counseling and job seeking support. In some cases, tuition assistance is offered if you want to return to college.
Disability Pay
You will likely be paid a certain portion of your salary while you are unable to work, often it will amount to about two-thirds of your pay and it will be tax-free. This pay will come to you on a weekly basis, regardless of how you were used to being paid. While this benefit is better than nothing at all, the impact on your financial situation can be devastating, and this will only worsen as time goes by.
Lump Sum Settlements
If you are found to be permanently disabled, you will probably be offered a lump sum settlement for the workers' comp carrier. The amount you are offered depends on several factors and takes into account your age and education level, the salary you used to earn and your level of disability. This amount is meant to cover you for the rest of your life, so don't agree to an inadequate settlement amount. Speak to a workers' comp attorney to learn more.
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