Workers’ Compensation a body of law designed to help people because of accidental injury or illness suffered while working. The basic worker’s compensation benefits include lost wages (known as indemnity benefits), payment of medical bills, vocational rehabilitation, and sometimes even for permanent injuries or impairments.
Weekly indemnity benefits are paid to you in place of your check that you usually receive from your employer. They are basically your lost wages. Under the law, if you are totally disabled working, you entitled to a check from the insurance carrier in the amount of 60% of your gross average weekly wage. Generally, your average weekly wage is based on the last 26 weeks of paychecks before your injury.
Any medical bills you incur are automatically paid by the insurance carrier as long as they are directly related to the work place injury, and are reasonable and necessary. This provision usually includes costs associated with prescriptions and over the counter medicines, or mobile devices, and reimbursement for mileage to the and from the doctors’ offices.
In some cases vocational rehabilitation may also be appropriate. If your doctor has released you to return to work, but are unable to return to your prior employment, you may be entitled to receive help in finding a new job or occupation by way of private vocational rehabilitation specialist, paid by insurance carrier.
If the doctor says you have a permanent impairment, you are entitled to a certain sum of money depending upon the extent of your injury. This award is evaluated by using the 5th Edition of the AMA Guides.