Worker’s Compensation Insurance
Worker’s compensation insurance exists specifically to pay certain benefits to employees who are injured on the job. The benefits include temporary benefits to cover lost time, medical benefits, and benefits for the loss of employability as permanent benefits.
Benefits for lost time at work cover 66 2/3% of your average gross weekly wages prior to your injury. These benefits usually continue only while your authorized treating physician says you are unable to work. Once you are released, these benefits generally stop, even if you cannot return to your job. You should not wait until these benefits stop to discuss your case with an attorney because case preparation can take time.
All of your medical bills will be paid in full, with no out-of-pocket expense to you as long as you use one of the doctors provided by the insurance company. These benefits also cover prescriptions and mileage for trips to the doctor.
Permanent benefits are paid to you in case of future loss of earnings due to your injury. These benefits depend on numerous factors, including age, education, what you have done to earn a living in the past, and what you can do to earn a living in the future. Having a skilled worker’s compensation attorney can help you get the most benefits for your loss.