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Workers' Compensation Benefits Information
If you are injured on the job and qualify for workers' comp benefits, you should receive medical treatment, payments for time off work while you recover, a compensation payment for any permanent disability you incurred as a result of your injury, and job retraining if you're unable to return to your old job.
All states require workers' comp insurance companies to pay reasonably sufficient temporary disability payment while you're temporarily off work, but the states vary widely in how much compensation they require for employees who suffer permanent impairments from their injuries.
Overview of Workers' Comp Benefits
Workers' comp pays you cash compensation and reimburses you for certain expenses.
An employee approved for workers' compensation benefits can generally expect to receive the following payments.
When workers' comp benefits start depend on when you notify your employer and see a doctor for your injury.
Temporary and Permanent Cash Payments
Workers' comp pays cash benefits to compensate you for time off work and permanent injuries that affect your ability to work.
If you are temporarily off work due to a worker's comp injury, you'll usually receive a benefit that is equal to two-thirds of your regular wages or salary.
If your injury leads to any kind of permanent impairment, you will receive a permanent disability payment.
You can settle with the workers' comp insurance company for a lump-sum settlement of your permanent disability benefits, any unpaid temporary benefits, and past and future medical care.
Medical Care Under Workers' Compensation
Your employer or workers' comp insurance company must pay for medical treatment to "cure and relieve" the effects of your injury.
Workers' comp will pay for reasonable, necessary medical treatment, but you need to get the insurance company's approval.
In most states, your employer can dictate who treats your work-related injuries, at least for a while.
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