An Overview of Workers Compensation Claim
When you become sick or get injured while at work, workplace compensation provides coverage for your medical expenses. Aside from health care, workers compensation also covers rehabilitation and wage replacement. It pays for your medical expenses from a wide range of injuries such as broken arm, hearing loss or carpal tunnel syndrome. However, It has to be work-related injuries or attributed to the conditions of your employment.
According to the website of LaMarca Law Group, P.C., getting injured from work may force you to be absent from work for a long time to undergo treatment and recovery. Your personal finances may not be enough to shoulder medical expenses. However, to be eligible for the benefits, you have to file a claim. You must first notify your employer about the injury as soon as possible. It is the responsibility of your employer to file the claim as well.
Workers compensation is governed by the Coming and Going rule. This means that any injury sustained while commuting to and from work is not covered. However, transportation-related injuries can be covered such as running errands for an employer or transporting goods in the course of employment. The amount of compensation is usually one half to two-thirds of normal compensation so you would end up getting an income that is close to your pre-injury level.
An independent medical examination will be required when claiming workers compensation. The doctor who performed the examination will report the findings to the insurance company, which will then base their compensation offer from the report. If you are not happy with the package offered to you, you can still make an appeal to the workers compensation board of your state.
Bear in mind that your employer might contest your claim and the result could be a court hearing. Your best defense then will be to produce good documentation which may include medical records of your injury and treatment.