Being approved for benefits after a work accident is a very good thing. Not everyone is approved after they are hurt and unable to work at their jobs. However, it may not be smooth sailing once you are regularly receiving benefits. Read on and learn what could happen next.
Benefits to Expect
Your related medical expenses are usually covered by workers' compensation insurance. Also, if a worker is ordered to stay home from work, that worker may be entitled to a partial disability wage. The amount paid varies but is never as much as the normal salary. On the other hand, no taxes or other deductions are removed from the disability wages.
Problems With Your Claim
Once you begin receiving benefits, it's possible to encounter some of the below problems:
- Your disability checks are incorrect. When you are approved for benefits, you are sent a letter explaining your benefits and the amount to expect. Some insurers base payments on how long your doctor predicts you will be out of work. Then, you may be issued the entire amount upfront. Some send weekly checks or make deposits into your checking account. If the amount is not what you expected, speak to the carrier to find out more.
- Your disability checks are often late. You may be entitled to take action against the insurer if they are not paying you as they should. Each state sets out rules for insurers to follow. You could be entitled to back wages, interest charges, and penalties if you are missing checks or receiving them late. Speak to a workers' compensation lawyer about your check issue and find out about your rights.
- You are unable to get the medical care you need. Your main workers' compensation doctor directs your care. If you need to see a specialist, that doctor must refer you. However, if your work-related injury is not being cared for appropriately, speak to a workers' compensation lawyer. You should not need to put up with substandard medical care from a work accident.
- You are being ordered to return to work and you disagree with this ruling. It's upsetting to learn that your benefits are about to stop, and you must return to work too soon. Don't go back to work if you are still hurt. Contact a lawyer and get the decision appealed.
Workers' compensation attorneys are on your side. They know the law and will advocate for you. Speak to a lawyer today.