Working and receiving payment gives you the drive to continue working. But what happens when you injure yourself in the line of duty? When you have a work-related injury, depending on the work you do, you have a right to compensation. The workers’ compensation claim includes the medical care benefits, the lost wages as you recover, and permanent disability benefits. However, for you to receive the compensation, you should report if that injury left you with any permanent disadvantages. For this, you should file a claim depending on the procedures.
Reporting Your Work Injury
Almost all states offer a workers compensation benefit. The first thing to do is to report your illness or injury to your employer. Although most states have a deadline within when you should report the injury, it is normally a maximum of 30 days. Other states the report should be done before. Employees make a mistake of waiting for much time before reporting about the injury. The more time you wait, the more time your employer and the insurance company will take before attending to your claim. Reporting early will speed up the process of your claim.
Filing a Compensation Claim
Once you report your injury, to your employer he will give you the necessary forms to fill. After this, the employer will submit the forms to an insurance company and the compensation state workers company. Some states require that this exercise to be official. Hence, you should file an official paperwork that contains the employee’s state workers’ compensation agency. This happens in case your benefits are denied and the decision ought to appeal.
Other states need you to file an official workers’ compensation claim form found at the worker’s compensation agency at the initial stages of your case. In most cases, the claim takes about a year. You can also get information about your claims or the forms you need and the assistance from your state’s workers compensation agency. If your employer refuses to collaborate, you should call your local worker’s compensation office which will solve the situation.
The Federal employees are subject to a different compensation plan. You can find the instructions and the forms for filing the claims at a website of the Division of Federal Employees Compensation.
What Happens After You File a Compensation Claim
After you file for a compensation claim, the insurance company will first carry out an investigation before the approval or denial of your claim. The insurer should tell you their decision, which happens within a month. The claim should be considered automatically in case the claim is not denied.
The approval of your claim means the receiving of your benefits. In most cases, the claim is denied and you have the right to appeal. You should look for a lawyer to help you in the appealing process. The denial can be due to missed deadlines to dispute whether your medical condition is job-related. The appealing process is complex and with strict deadlines. An experienced workers’ compensation attorney will help your case in various ways, from assembling evidence which boosts your claim to be negotiated with the help of the insurance company, or the person representing you at the hearing. A lawyer will be helpful in this situation and he will not cost you much. Majority of lawyers will charge a certain percentage of your final benefits.
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