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What Is Workers Compensation? Workers compensation is a form of insurance that provides medical and cash benefits to employees who are injured while on the job. It's a program designed to protect employees and offer employers incentives to reduce workplace accidents. The system is based on the nature of the company as well as its payroll and the history of workplace injuries (referred to as an experience rating). It is also governed by the state laws. It pays for medical expenses Typically, workers compensation insurance covers medical expenses and lost wages due to injuries sustained at work. There are a variety of medical bills covered by workers compensation insurance. They include doctor's appointments as well as hospitalization and emergency care, as well as lifesaving surgeries, medical care, rehabilitation therapy, medications, and pain medication. There are many states that have statutory limitations on the kind of treatment they will accept. In some instances your insurance company may require you to undergo an independent medical exam. This is a great way to determine if further treatment is necessary for your recovery from a work-related accident. In addition, many states offer a mileage reimbursement rate that can be used for the cost of travel to and from appointments. The amount varies, but is usually less than $15 cents per miles. Workers' compensation also cover a range of medical procedures and treatments that are not covered by private insurance or Medicare. These expenses include chiropractic therapy, physical therapy, massage therapy and acupuncture. The kind of treatment covered by your workers' comp benefits will be based on the laws of your state and the guidelines for medical treatment issued by the Workers' Compensation Board. In some cases, your doctor can ask for an exemption to these guidelines in order to have treatment approved. It's not always possible. In certain situations workers' compensation boards might not be able to approve treatment. Alternative treatments, such as biofeedback and acupuncture, aren't usually covered by most workers' compensation plans. It is essential to report your injury as soon as you realize it. Also, make an appointment with your doctor to discuss your claim. It will be easier to receive your medical bills paid and to prove that your work caused the injury. You could also ask your employer to provide you with a copy of your medical bills to ensure that your treatment and related expenses are adequately covered. This will give you peace of mind that your treatment and expenses are being properly handled and will allow you to focus on your recovery. It pays for the loss of wages. A worker who is injured while at work and cannot return to his job may be entitled to lost wages. These benefits are typically provided through workers ' compensation insurance. The majority of states have a formula for determining the amount an injured worker can receive for lost wages. The formula is using the average weekly income of the worker prior the injury. The figure may not be precise and may be a bit complicated. Workers' compensation was instituted in the late 19th century to protect workers and provide cash benefits as well as medical care for injured or ill workers. In addition to these statutory benefits certain states also permit employees to sue their employers if they are injured or sick in the course of their employment. In general, an employee who is injured for a short period must seek benefits within three days after the incident. This time frame may be extended if a doctor states that the employee will not be ready to return to work within 14 days of the injury. If a worker is temporarily disabled, they could receive compensation for two-thirds of the average weekly salary up to the legal cap. In the majority of states this benefit is paid every two weeks until the worker is fully recovered from injuries. Without the assistance of an experienced lawyer workers' compensation claims can prove difficult and expensive. Workers who have been injured have to attend hearings before an adjudicator. They must prove that the workplace accident was the reason of their disability, that they were unable to perform their job duties and that they are unable to perform their job duties in the future. They must also show that their injury or illness has affected their ability to earn money. This procedure can be challenging and risky for employees who aren't represented. Often, the insurance company for the employer will employ lawyers to defend these claims. The state-wide Workers Compensation Board oversees all workers' compensation claims and they are analyzed by the Board and its judges as well as the appeal system. Injured workers must submit evidence, including medical records and testimony from doctors, to prove their claims for lost wages and other benefits. It is a benefit for permanent disability. A work-related illness or injury can be devastating. You could lose your job or become financially insolvent to cover the costs. Fortunately, workers' compensation can help pay for costs for medical bills and lost wages until you return to work. The type of disability benefits that you will receive will be contingent on the severity as well as the nature of the injury. You can receive cash benefits for temporary disabilities or permanent partial disability or permanent total disability. Temporary total disability (TTD) is awarded when an injured worker's work-related accident hinders them from returning to the position they had before the injury. TTD benefits typically expire when a doctor declares that the worker's injury isn't permanent or when the employee recovers fully and is able to return to the job they had prior to injury. Permanent partial disability (PPD) is awarded when a person has a physical impairment that severely limits their ability to work but not completely disables them. The PPD benefit amount is determined by what kind of work the person is unable to complete. These PPD benefits could be a combination of cash and medical benefits and will last as long as you need them. It is important to keep in mind that these benefits can be complex and an experienced workers' compensation lawyer can assist you in navigating the system. The workers' compensation commission examines your age, job and physical limitations in determining the amount you will receive in permanent disability benefits. It also takes into account your pain and the impact your disability has on your life. After you've been granted a permanent disability rating the compensation board allocates an amount of your earnings to reflect the proportion of your earning capacity that was affected by your illness. For example an individual with an 100% total impairment rating due to a back injury will be entitled to 350 weeks of permanent disability benefits. Typically the compensation board will typically send you a PD check within two weeks of a doctor declaring that you have an impairment that is permanent. The amount you receive is based on 60 percent of your weekly salary. It pays for death If your loved one passed away in a workplace accident or as a result of occupational illness it is possible to count on workers compensation to help pay for funeral costs and other related expenses. Workers compensation may help with funeral expenses as well as medical expenses that were incurred prior to the death of the worker. In most states the death benefits are paid out in installments based on a percentage of the deceased worker's average weekly income prior to their death. This percentage varies from state to state but it usually ranges between two-thirds and three quarters of the worker's average wages, with maximum and minimum amounts. These benefits are typically paid to the spouse who died or a dependent of the worker. They may be paid in addition to burial costs. In some instances, cash payments may also be available to the surviving child. The amount of these benefits will depend on the amount of dependency of the dependent who is seeking compensation. A surviving spouse or child is considered to be a complete dependent if they were living with the deceased at the time of their death. If they did not reside with them or with them, they are considered partial dependents and can be eligible for death benefits only if they can prove that the deceased worker gave them an important financial benefit. If they depended on the deceased worker to provide significant financial support, then any other dependents, such as parents or siblings are considered dependent. Partially dependents are entitled to a pro-rata share of the total benefit amount for death benefits, which is determined by the amount they rely on the deceased. These death benefits are not able to be paid in installments, instead, they are paid as an all-in lump sum. This lump sum payment is equivalent to two-thirds of a worker's weekly earnings, and is paid until a predetermined period of time or the number of years have expired. During workers' compensation lawsuit georgia or years that the deceased person's dependents are able to continue receiving benefits, but the amount they can receive is limited by the state's laws.