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What Is Workers Compensation? Workers compensation is one type of insurance that pays cash benefits and medical expenses for employees who are injured while working. It's a plan designed to protect employees and offer employers incentives to reduce accidents that occur at work. The system is built around the type of business, its payroll and its experience with workplace injuries (referred to as an experience rating). It is also regulated by the laws of the state. It pays for medical expenses. Workers compensation insurance generally covers medical expenses and lost wages for injuries sustained at work. There are workers' compensation attorney yakima of medical bills covered by workers compensation insurance. They include doctor's appointments or emergency medical care, hospitalization in addition to lifesaving surgical care, medical rehabilitation therapy, medications, and pain medications. Many states have statutory limits on the types of treatment they allow. In some cases, your insurer may require you to undergo an independent medical examination. This is a great method to determine if additional treatment will aid in recovering from your work-related injury. Additionally, most states have an annual mileage rate which can be used for transportation to and from appointments. The amount varies, but is typically less than $15 cents per miles. Another major benefit of workers compensation is that it covers a broad range of medical procedures and treatments that aren't covered by your private health insurance or Medicare. The expenses include physical therapy, chiropractic treatment, massage therapy and acupuncture. The kind of treatment covered by your workers' comp benefits will depend on the rules of your state and the medical guidelines set by the Workers Compensation Board. In some cases, your doctor can ask for an exemption to these guidelines to be able to approve treatment. However, this isn't always possible , and in certain cases, treatment that is not approved by the Workers' Compensation Board could not be covered in any way. Workers compensation plans do not typically cover alternative treatments such as acupuncture and biofeedback. As with any type of claim, you must report your injury when you are aware of it and set an appointment to see an expert in medical care. It will be easier to get your medical bills paid and prove that your work caused the injury. You could also ask your employer or insurance company they choose to send you a copy your medical bills to ensure that your treatment and related expenses are adequately covered. This will allow you to concentrate on your recovery and give you the assurance that you are receiving the treatment and all associated costs correctly. It covers the loss of wages A worker who is injured on the job and is unable to return to his job may be entitled to compensation for 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. This amount is determined by the average weekly salary the worker was earning before the injury. However, this figure can be complicated and not always accurate. The workers compensation system was established in the latter half of the 19th century in order to ensure that workers are not injured in the course of their work and to provide cash benefits in addition to medical assistance to those who become sick or injured. Some states allow employees to sue their employers for injuries or illnesses that they sustain while working. An employee who suffers an injury for a short period must apply for benefits within three days. If a doctor decides that the employee is not able to return to work within 14-days of the injury, the time may be extended. Temporarily disabled employees can be compensated for two-thirds of the weekly wage subject to the statutory limit. In the majority of states the benefit is paid every two weeks until the worker is fully recovered from injuries. A claim for workers' compensation can be difficult and costly to handle without the help of a skilled lawyer. Employees who are injured must attend hearings before an adjudicator. They must prove that their disability was caused by a workplace accident, and that they were not able to carry out their job duties, and that they will not be able do so in the future. In addition, they must show that they lost the ability to earn an income as a result of their illness or injury. The process isn't easy and fraught with risk for workers who aren't represented, as the insurance company that covers the employer will often hire lawyers to defend these claims. The state-wide Workers Compensation Board is responsible for all claims for workers' compensation and they are evaluated by the Board and its judges , as well as an appeals system. To support their claims for lost wages or other benefits, injured workers must be able to prove their case, which includes medical records and the testimony of doctors. It covers permanent disability An injury or illness that is related to work can be devastating. You could lose your job or find yourself financially in a position to pay for the expenses. Workers compensation will pay for the loss of wages and medical expenses until you can return to work. The type of disability benefits you receive depends on the nature and severity of your injury. Cash payments can be made for temporary disabilities, permanent partial disabilities, or permanent total disabilities. Temporary total disability (TTD) is awarded when an injured worker's workplace accident is preventing them from returning back to their job prior to the time of injury. TTD benefits usually end when a doctor states that the worker's injury is no longer permanent or when the injured worker makes a full recovery and resumes their pre-injury job. Permanent partial disability (PPD) is awarded to those who suffer from a severe impairment that limits their ability , but does not completely disable them. The PPD benefit amount is based on the extent of work the worker is unable to perform. The PPD benefits are a mix of medical and cash benefits and can last as long as you require them. It's important to remember that these benefits aren't easy to understand and a skilled workers compensation lawyer can assist you in navigating it. The Workers' Compensation Commission takes into account your age, your occupation, and limitations of movement in determining the amount you'll receive in disability benefits. It also considers your pain, and the impact that your disability has on you life. Once you have been approved for a permanent handicap rating the compensation board assigns a percentage your earnings that reflects the amount of your earning potential that was affected by your condition. If you have a 100 impairment rating of 80% due to a back injury will receive 350 weeks of permanent disability benefits. Typically, the compensation board will send your PD check within two weeks of a doctor's diagnosis that you are suffering from permanent disabilities. The amount is based on 60 percent of your weekly wage. It pays for death Workers compensation can help you pay for the funeral expenses and other related expenses for your loved one, regardless of whether they died because of a workplace accident or occupational illness. In addition to funeral expenses, workers compensation could also pay for medical expenses that were incurred prior to the time the worker's death. Death benefits in the majority of states are paid in monthly installments. This percentage is based on the workers' average weekly wage prior to their death. The percentage can vary from state to state but generally ranges between two-thirds to three-fourths worker's wages, with maximum and minimum amounts. These benefits are typically paid to the spouse, or any other dependents of the worker. They may also include burial costs. In some instances, a surviving child can receive cash payments too. The dependent who is seeking compensation will determine the amount of the benefits. A surviving spouse and child are considered total dependents if both lived with the deceased at the time of the death. If they did not live with them, they are considered partial dependents and can be eligible for benefits upon death only if they can prove that the deceased worker gave them substantial financial benefits. Other dependents, including parents and siblings, are considered to be dependent if they depended on the deceased person for a substantial amount of their financial support prior to their death. Partial dependents receive a pro rata share of the total death benefit compensation amount that is based on the amount they rely on the deceased. In some states, these death benefits are not paid in installments, but instead are paid as one lump sum. This lump sum payment represents two-thirds the average weekly wage, and it is paid until a set period of time or a specific number of years have expired. In these months or over the years the dependents of the deceased worker can continue to receive benefits, however the amount they are entitled to is limited by the state's laws.