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More to Know about Workers' Compensation

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What is Worker's Compensation?

Workers’ compensation is a wage replacement and medical care program for a worker who suffers a work related injury or illness.

Who pays the medical bills & lost time?

If I have a work related injury or illness, who pays my medical bills and lost time from work?

Workers’ compensation benefits are paid by your employer/carrier. These benefits cover only work related injuries, illnesses and fatalities.

Who pays for workers' compensation insurance?

Your employer pays for your workers’ compensation insurance and cannot deduct the premium cost from your pay.

How long do I have to file a claim?

Report the accident to your employer immediately. However, a worker has up to 180 days to report an injury or work related illness.

What will workers' compensation pay for?

Continued Medical Care: The employer/carrier is to pay reasonable medical expenses, hospital bills and prescriptions to treat the employee. Broken appliances such as eyeglasses may be replaced if medically. Medical providers cannot bill you for any necessary unpaid balances.

Temporary Total Compensation: Wage replacement is paid for doctor-approved time off from work due to a work related injury or illness.

Temporary Partial Compensation: Partial wage replacement is paid in addition to earnings when employee works less time or is paid less than at the time of injury.

Permanent Partial Impairment Benefits: An impairment rating is given by a doctor for a permanent impairment resulting from a work related injury or illness. Payment is made when a doctor determines you have reached a fixed state of recovery.

Permanent Total Disability Benefits: This benefit is paid if the impact of your work related injury or illness prohibits you from performing any gainful employment. If you are permanently totally disabled, you may be eligible for SS Disability Benefits.

Burial and Dependent Benefits in Case of Death: When an employee dies due to a work related injury or illness, death benefits are paid to spouse and dependents. An $8,000 funeral/burial allowance is also provided.

Mileage To and From Authorized Medical Care: Requests for travel reimbursement must be submitted to your employer’s carrier for payment within 1 year. Travel to pharmacies is not reimbursed.

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