Workers’ compensation benefits are available to employees who are unable to work as a result of either a work-related accident or illness.
If you are injured on the job and medically authorized to take time off from work, you will be reimbursed for lost wages (typically a percentage of your regular wages) and all medical expenses related to your treatment and rehabilitation.
When should I report an accident?
If you are injured, notify your supervisor immediately to file a report. This will initiate the process of receiving workers’ compensation benefits.
How will I be reimbursed?
Lost time compensation is payable during the time period in which you are authorized by your treating doctor to be off from work. Benefits are paid to you weekly at a rate that can vary greatly from state to state. Each state sets a waiting period before which your benefits will not be available to you. Check the US Department of Labor’s website (www.dol.gov) for more information.
What is an independent medical exam (IME)?
An IME is an exam by a medical professional other than the doctor who conducted your initial exam. An insurance carrier or employer is entitled to require an IME to confirm the original physician’s diagnosis and treatment plan.
What happens if I do not comply with my treatment plan?
Non-compliance with recommended medical treatment, therapy, or return-to-work plans may jeopardize your workers’ compensation benefits.
How are disputes handled?
Workers, employers and insurance carriers can file an application for a legal hearing to resolve disputes. Legal disputes may be settled either outside of court or during the hearing.
When should I return to work?
You, your doctor and your employer will coordinate a return-to-work plan that helps you return to your regular job or a modified duty position as quickly as possible.
If you have more questions or to learn more, contact Ollis/Akers/Arney Insurance & Business Advisors today.
