Worker's Compensation benefits are important if you are injured or become ill on the job. Understand the benefits you're eligible to receive so you know what to expect if you need to file a Workers' Compensation claim.
What Workers' Compensation Benefits Cover
- Medical treatment and related expenses
- Payments for time off work as you recover
- Temporary or permanent disability compensation
- Job retraining
- Death payment to beneficiaries
When Workers' Compensation Benefits Start
Some Workers’ Compensation benefits start immediately. In many states, your employer may cover medical bills right away, even before a claim is approved.
After your claim is approved, you are eligible to receive the other relevant benefits. You may need a letter from your physician stating that you need to be off work, are disabled, or require job training before some benefits begin.
The Financial Amount of Benefits You Will Receive
Workers' Compensation typically covers all reasonable and necessary medical bills related to a work injury. Lost wage or temporary disability payments are often about two-thirds of your usual wages but vary by state law.
How to Receive Workers' Compensation Benefits
Always report injuries or illness to your employer right away and file a Workers' Compensation claim as soon as possible. Then visit an approved Workers' Compensation doctor for treatment to increase the likelihood that your bills will be paid.
For industry-specific examples and details, see Workers' Compensation for Oil & Gas Secondhand Equipment Dealers.
How Long You Will Receive Workers' Compensation Benefits
Benefits typically continue while you need them. When your doctor determines you are ready to return to work, payment for lost wages usually stops.
You will also stop receiving benefits if your claim is closed or settled, which could include a pension, permanent disability compensation, or a structured settlement agreement.
What to do if Your Workers' Compensation Claim is Denied
If your claim is denied, file an appeal and consider contacting a lawyer for help. Begin collecting records, medical reports, and other data that support your claim as you pursue the benefits you believe you deserve.
For more information about how coverage can vary by employer or trade, see Mexican American Grocers Workers Compensation.
Workers' Compensation benefits provide financial resources as you recover from a job-related injury or illness. For specific details about the benefits available to you, check your employee handbook or talk to an agent.
Frequently Asked Questions
When should I report a workplace injury?
Report any injury or illness to your employer as soon as possible and follow your employer's claim-filing procedures to protect your eligibility for benefits.
Will my medical bills be paid before my claim is approved?
In many states, employers may begin covering medical bills right away, but practices vary and approval can affect coverage for other benefits.
How is my lost wage benefit calculated?
Lost wage or temporary disability payments are commonly a portion of your normal wages, often around two-thirds, but exact amounts depend on state law.
What if my claim is denied?
If denied, you can appeal the decision and gather supporting documentation; you may also consult an attorney experienced in Workers' Compensation.