If you are an employee who has been injured at work, you are probably entitled to collect compensation for employees. The following questions and answers provide basic information about the workers' compensation process and the benefits you may be entitled to. Our friendly agent is also happy to help.
What types of damages are covered by Workers Comp
Workers compensation insurance only covers work-related damages. The injury or illness must have occurred during your employment. If you have clocked out for the day and you are involved in a traffic accident on the way home, the work competence does not cover your injuries. If you travel and fall in the workplace, break your arm or suffer another injury while performing your duties, you should be entitled to compensation for workers.
What happens if I am at fault for the accident that caused My injuries?
Workers' Comp is a system without errors. Even if your injuries are partly due to the fact that you have not taken the necessary safety measures, you are still entitled to benefits. In return, you are excluded from suing your employer for damages covered by the workers' compass insurance.
What benefits are provided by Workers Comp?
After an occupational injury or illness, the workers' company will pay for your medical care related to the injury and compensate part of the lost wages as a result of your injury. The wage compensation usually amounts to about two thirds of the worker's average wages, up to a specific fixed limit. Benefits may also include:
- Compensation for permanent disability
- Vocational rehabilitation or retraining if your injuries prevent you from returning to your previous position
- Survivors' benefits for families of workers killed at work
How do I Apply compensation to workers' compensation?
Workers' compensation claims may vary slightly from state to state. In general, you must notify your employer and the employees' compass insurance company of your illness or injuries in order to collect compensation benefits for employees.
Make sure you have the necessary medical treatment immediately. Then notify your employer in writing, fill out an official application form and keep detailed records of your treatment. Make sure you notify your employer and submit your claim within the required time frame, which may vary from state to state.
Is the compensation of my workers taxable income?
In most cases, workers' compensation for wage compensation or permanent disability is not subject to state or federal taxes. However, some of this money may be taxable if you also receive Supplyal Security Income (SSI) or Social Security Disability Insurance (SSDI).
What happens if my worker's compensation claim is denied?
If you submit a claim for compensation to workers and your claim is denied, you still have access. The reason for the denial should be explained in the letter of denial. If you believe that your claim was rejected incorrectly, you can appeal the decision through the state compensation committee for employees. Common reasons for denial include:
- Insufficient evidence that the injury is work-related
- The employer disputes the claim
- No medical treatment was received
- Injury was not reported to the employer within the specified time limit
- No claim for benefits before the deadline