Workers Compensation Benefits

Workers Compensation Benefits

When you’re injured on the job, you may be left in pain, temporarily out of work, and stressed about how you’re going to make ends meet. While we all hope to never be in that position, accidents can happen that leave us in an unexpected predicament. However, depending on the circumstances surrounding your injury, you may be entitled to workers compensation benefits.

Workers compensation is a type of insurance companies must hold to protect employees who are injured in the workplace. Benefits provided by workers compensation are designed to help injured employees pay for medical bills, cover lost wages, and account for other injury-related expenses while they are in recovery.

Understanding workers compensation benefits is important for any individual. Let’s take a look at what you should expect if you’re injured on the job.

About Workers Compensation Benefits

In order to receive workers compensation benefits, you need to file a claim through your employee’s insurance. However, you must act quickly if you want your claim to be accepted. If you fail to file your claim within the allotted time, you may miss your opportunity to receive any kind of benefits at all.

In the state of New York, you have two years to file your claim. Depending on your injury, this is either two years from the date of the injury or two years from the moment you were made aware of a disease related to your employment.

Workers compensation benefits are designed to cover the cost of medical expenses and any other expenses related to your injury. This includes mileage reimbursement to and from your appointments and even training if you need to find new employment because of your injury.

Workers compensation benefits can also include death benefits and funeral expenses, if appropriate.

Temporary Disability Benefits

In the state of New York, you must be out of work for more than seven days to receive cash benefits from a workers compensation claim. However, you can still have your medical bills covered if you are out of work for less than seven days. In the event that you are out of work for more than fourteen days, those first seven days will be paid for.

The amount that you will receive will depend on your injury and your salary amount. Your doctor will assign you a disability percentage, essentially indicating how severe your injury is. If your injury puts you at 100% disability, you can receive two-thirds of your average weekly salary. If your disability percentage is less than 100%, you will receive that percentage of two-thirds of your weekly salary.

Permanent Total Disability Benefits

If your injury is so severe that you’re unable to return to work, your doctor may indicate that you have a permanent disability. In the state of New York, this means you will receive weekly payments for the rest of your life. These kinds of injuries typically include extremely severe injuries only, such as the loss of a limb or the loss of sight due to your workplace injury.

Contact Maximum Orthopedics Today

All of the doctors in our practices accept No-Fault insurance and have expertise in the diagnosis, treatment, and documentation of injuries sustained by individuals involved in accidents. Contact us today to see how we can help you with your workers compensation benefits.

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