Workers’ Compensation Benefits

right to workers’ compensation benefits under state law. But what types of benefits are available? Will the payments you receive cover the cost of medical care, or allow you to meet your financial obligations?

Income Replacement (Disability Coverage)

The benefit that most people think of when they have been hurt on the job is the disability payment, which is designed to compensate you for wages that you lose because of the injury or illness. As a general rule, your injury or illness will fall into one of four categories—it will be either temporary or permanent, and it will be either total or partial:

  • A temporary partial disability will limit your ability to perform some, but not all of the duties of your job, and for a determinable period of time.
  • A temporary total disability is one that keeps you from performing any aspect of your job, but one from which you are expected to make a complete recovery.
  • A permanent partial disability is a condition from which you will not fully recover, but which only affects a portion of the duties you perform.
  • A permanent total disability is an injury or illness that will not allow you to return to your current position in any capacity.

When you file a work comp claim, the insurance provider will make a determination, based on medical information, what type of injury or illness you have. If your claim is approved, you will be awarded benefits based on your level of compensation before your injury—most states look at the last 52 weeks average weekly wage. The benefit is usually 2/3rds of that amount, but is not taxable. The length of time you receive benefits will depend on the extent of your injury.

Medical Benefits

The medical benefits provided under most workers’ compensation laws customarily include hospitalization, as well as any procedure or test necessary to diagnose and treat your injury or illness. The laws vary from state to state, but many include doctor visits, medication, surgical procedures and costs of medical equipment.
Though many insurance companies cover non-traditional medical procedures, such as acupuncture or pain therapy, most workers’ compensation laws do not. The medical coverage under workers’ compensation does typically include benefits for rehabilitation or physical therapy, though.

Contact Aronberg, Kouser, Snyder & Lindemann, P. A., Attorneys at Law

Contact us by e-mail or call our office at 856-429-1700. Your initial consultation is free.

We take all workers’ compensation claims on a contingency basis. You won’t be charged any attorney fees unless we recover compensation for your losses.

Commitment | Experience | Results

Speak Your Mind

*

Our Practice Focus
Injured hospital patient

Personal Injury

When you have been injured because of the carelessness or negligence of another person, you want an experienced and aggressive lawyer to ensure that your rights are protected.
Doctor & patient

Medical Malpractice

When you seek medical attention, you anticipate that at a minimum your condition won’t worsen because of the carelessness or negligence of physicians, nurses or other medical personnel.
Co-workers in building lobby

Workers’ Comp

In most instances, in the aftermath of a work-related injury you have the right to seek monetary benefits under state workers’ compensation laws, so that you can recover lost wages and medical expenses.

Family Law & Divorce

We understand that family law matters can be highly emotional, and that different solutions work for different clients.

Many people have the idea that when we file a lawsuit, we are suing the person. We are not. We are suing the insurance company that the person has been paying to protect them against a loss like this. The insurance company that this person has been paying for quite some time.

  • award1
  • award2
  • award3
  • award4
  • award5