What is Workers’ Compensation?
Worker’s compensation is insurance that provides cash benefits and/or medical care for workers who are injured or become ill as a direct result of their job. The insurance is provided directly by the employer.
When is a Worker’s Compensation claim paid?
A claim is paid if the employer or insurance carrier agrees that the injury or illness is work-related. If the employer or insurance carrier objects, no cash benefits are paid until the Worker’s Compensation law judge decides the case. If a worker is not receiving benefits because the employer or insurance carrier is arguing that the injury is not job-related, he or she may be eligible for disability benefits. Any payments made under the Disability Program, will be subtracted from future worker’s compensation awards.
What happens when I return to work?
If you can return to work but your injury prevents you from earning the same wages you once did, you may be entitled to a benefit that will make up two-thirds of the difference. You may also return to work in for alternate duty before you are fully healed.
What if I am injured on the job?
Obtain necessary medical treatment as soon as possible. The treating health care provider must be authorized by the Worker’s Compensation Board, except in an emergency situation. If your employer has been authorized to participate in a Preferred Provider Organization (PPO) or Alternate Dispute Resolution program, you may be required to obtain medical treatment from a participating health care provider. Participating employers are required to notify their employees, in writing, of all information pertaining to a PPO or ADR program.
Who pays for me?
The cost of necessary medical services is paid by your employer or your employer’s insurance carrier, if the case is not disputed. Health care providers may request that injured workers sign form A-9. This form is meant to provide notice to the injured worker that he or she may be responsible to pay the medical bills if the Worker’s Compensation Board disallows the claim or the injured worker does not pursue the claim.
What are my benefits on Worker’s Compensation?
- Cash Benefits
- Supplemental Benefits
- Medical Benefits
- Social Security Benefits
- Death Benefits
Here is a direct link to Worker’s Compensation Board website for any other questions.