Worker’s Injury Compensation: Understanding the Process
When you experience an on-the-job injury, you may not know what to expect. While the rules vary from state to state, certain features are common to almost all. Worker’s injury compensation is, first and foremost, a form of insurance that certain employers are required to carry for their workers. It is designed to cover the cost of a portion of the employee’s lost wages, medical expenses, and prescription medications related to the injury or occupational disease.
What does Worker’s Injury Compensation Cover?
Worker’s compensation, sometimes referred to as worker’s compensation insurance, typically covers expenses related to the diagnosis and treatment of injuries sustained on the job, including chronic conditions caused by repetitive movements such as carpal tunnel syndrome (an injury to the wrist/hand often related to typing). To qualify, the person applying must show that the injury or disease is related to their work. This process varies from state to state.
How long does it usually take to get worker’s compensation?
If your claim is approved, it generally takes less than two weeks for you to receive a check from the time your employer was notified of the injury and or qualifying employment related condition.
Is worker’s compensation paid weekly?
The benefits are usually paid weekly, bi-weekly, or monthly depending on the state you are employed in.
What if my claim is denied?
Each state has their own process for appeals. Even if your claim is denied, there are usually options for injured workers such as a direct appeal to your state’s worker’s compensation. Your claim may be denied for several reasons including:
• Not filing your claim on time
• Not reporting the injury promptly
• Not enough medical evidence of an injury
• No proof the injury or condition was work related
• Not receiving medical attention for the injury
Can I get worker’s compensation if the employer disputes my claim?
If your employer states that your injury is not work related, was the result of horseplay, or occurred elsewhere, your claim may be denied. Because it is a form of insurance, your employer’s insurance rates may be increased if you are approved.
If you are denied, you can usually write or contact your employer’s worker’s insurance carrier or state board of worker’s compensation to appeal. You may also consider seeking qualified legal representation to help with your worker’s compensation claim.
How long can I receive worker’s compensation benefits?
Coverage also usually applies to disability payments, usually about 75% of your regular salary. Each state limits the amount of time in which you are eligible to receive worker’s compensation benefits, which can range from 3-7 years. There is however, usually no limit on the length of time that disability coverage can be claimed, although some states may end your benefits at the age of retirement (65).
How do I file a worker’s compensation claim?
To start the claim process, you are usually required to file an employee’s claim form. You should also report the accident to your employer.
If your injury is severe, you should seek immediate medical care first, and report the accident as soon as possible.
The deadline to report an incident depends on the state in which you work, but it is usually around 30 days from the time of the incident. Once you have notified your employer concerning your injury, they have a set number of days to file a claim on your behalf.
What are the requirements to file a claim for worker’s injury compensation?
1. You must be an employee of the company that you file the claim on
2. The injury must have occurred on the job or been caused/worsened by your work
3. The company must carry worker’s compensation
It should be noted that independent contractors are not covered by worker’s injury compensation. They may, however be covered by liability insurance. Additionally, some companies mislabel workers to avoid paying taxes. In such cases, you should consult your state authorities or a worker’s compensation qualified attorney.
Do I have to pay out of pocket for my worker’s compensation related medications?
In many cases, you may have trouble finding a pharmacy to fill your prescriptions without paying up front. At ASP Cares, however, we do things differently.
Our dedicated worker’s compensation experts work closely with medical providers, payers, insurance companies and attorneys to get you the medications you need at no cost to you.
Get Your Medications Delivered to Your Door Without the Wait
We proudly offer free nationwide delivery for all our worker’s compensation patients. Don’t pay out of pocket for your qualifying worker’s injury compensation prescriptions.
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Our dedicated pharmacists, clinicians, and care advocates are dedicated to making the process as seamless and hassle-free as possible. Contact us today.
This content is not meant to provide medical or legal advice on any subject. Always consult authorized government representatives for specific guidance, and or a qualified attorney.