If you are injured on the job, workers compensation generally provides three types of benefits:
The employer is required to pay for medical treatment related to your injury. Your employer should provide a list of three doctors, and you can pick a doctor from this list. You should not be told to go to a specific “company doctor.”
Always make sure that your medical treatment is approved in advance by the employer or their insurance company. You should not go to the doctor on your own unless there is emergency situation, or you are advised to do so by your lawyer.
Temporary disability benefits
If the doctor places you on restrictions while you are recovering from your injuries, your employer generally has two choices. First, the employer can provide “light duty” work which is within the restrictions provided by the doctor. This allows you to keep working and earning your regular pay. If the employer cannot offer a job that meets the doctor’s restrictions, the employer should allow you to be off work and receive temporary total disability benefits (TTD benefits) at a rate equal to two-thirds of your normal weekly pay.
Be aware that TTD benefits only start after you’ve been off work for more than a week. If you miss only a few days of work, TTD benefits are probably not owed.
Permanent Disability Award
After the doctor has released you, you may be entitled to receive an award for permanent disability benefits. This award is based on a variety of factors, including the type of injury, the impairment ratings provided by the doctors, your age, your education level, your work experience, whether you have been able to return to work, and other factors.
Don’t let the insurance company tell you that there is one specific formula that dictates the amount of benefits you should receive. This area of the law is complicated, and you should consult with a lawyer who has experience handling workers compensation claims.
If you have been injured on the job, contact Attorney Greg Petrinjak for a free consultation today. Mr. Petrinjak has handled hundreds of worker’s compensation cases, and has the experience to help you with your claim.