![]() ![]() Employees receive temporary total disability benefits while off work for a limited amount of time. There are four types of disability benefits. The benefit amount is typically two-thirds of an employee’s weekly wage. Workers’ compensation benefits compensate employees for lost wages while off work. Employees are also entitled to vocational rehabilitation benefits if unable to return to their pre-injury job. Workers’ compensation covers all medical expenses necessary for diagnosing and treating an employee workplace injury or illness, including doctor appointments, prescriptions, surgery, and durable medical equipment. In addition, employers must notify their insurance carrier and file a claim with the state workers’ compensation board. Once your employer is notified, they are required to ensure you receive all necessary medical attention. Failure to report a workplace injury or illness within the state-mandated time frame may result in forfeiture of your right to file a workers’ compensation claim. The reporting requirements vary from state to state. You need to notify your immediate supervisor immediately after you are injured at work. However, employees are not compensated for injuries sustained commuting to and from work, except in special circumstances. Injuries sustained in a motor vehicle accident are compensable if the employee was engaged in work-related business.These can cause broken bones, head injuries, or musculoskeletal injuries. Slips and falls are not compensable under workers’ compensation, unless a hazardous condition at the time caused the fall.Back injuries result from carrying, holding, lifting, lowering or placing loads. Bureau of Labor Statistics, more than one million workers suffer back injuries, accounting for one out of every five manual materials handling work-related injuries or illnesses. These are the most commonly reported workplace injury. Repetitive motion injuries result from performing the same movement over and over again for an extended period of time, resulting in bursitis, carpal tunnel, and tendonitis.Causes include defective equipment, unsafe work conditions, and carelessness. Falls are a common occupational hazard for construction workers, resulting in broken bones, spinal cord injuries, traumatic brain injuries, and even death.Workplace injuries and illnesses commonly result from falls, repetitive motion injuries, manual materials handling, slips and falls, and motor vehicle accidents. Private industry reported slightly more than three million nonfatal workplace injuries and illnesses in 2013, according to the latest numbers released by the U.S. Injuries that occur off the worksite but in connection with the job fall into a gray area. You were injured during the performance of your job-related duties.Domestic workers, farm laborers, or undocumented workers may not qualify. Employee covers full- and part-time employees, seasonal workers, and temporary employees, excluding independent contractors and volunteers. Requirements vary based on the number of employees, type of business, and work employees perform. Your employer carries workers’ compensation insurance.There are specific requirements that must be met to be eligible to draw workers’ compensation benefits. Workers’ compensation laws vary from state to state. ![]() ![]() Note: Federal employees are covered under the federal workers’ compensation system. It’s not a fail-proof system, however, and there are times you need legal representation to protect your rights. Workers’ comp protects employees who suffer a work injury or illness and pays related medical expenses and cash benefits, regardless of who was at fault. All states require businesses to carry workers’ compensation insurance, also known as workman’s comp. ![]()
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