An Overview of Workers’ Compensation BenefitsApril 10, 2019
The concept of workers’ compensation is often described as a compromise between the rights and needs of employers and employees.
Both sides know that injuries occur. The compromise of workers’ compensation is that each side gets some benefit. Employees have compensation options when they get injured or sick on the job, while employers are not beset with lawsuits.
With workers’ compensation, workers are awarded benefits to pay for medical treatment and to cover them for lost wages after an on-the-job injury. Employers avoid getting sued, but most employers must buy workers’ compensation insurance to cover a claim. With certain exceptions, employers must abide by this system.
All workers are covered, not just salaried workers, for the entire period they work for a company. There is no waiting period, workers’ compensation coverage begins the day you start the job. Injuries or diseases caused or aggravated by employment are all covered, no matter what the employee’s medical history was.
Types of Benefits
There are several ways injured workers can be compensated:
- Medical Benefits: These pay for all medical costs associated with the worker’s injury or illness, including surgery, doctor visits, drugs, medical devices, lab tests, and more.
- Specific Loss Benefits: These are a kind of compensation when a worker is disfigured or loses function due to a specific injury.
- Permanent Partial Disability (PPD) Benefits: These wage loss benefits are paid when a worker is deemed to not be totally disabled, but the employee suffers some loss of earning capacity.
- Temporary Total Disability (TTD) Benefits: This is when an injury renders the worker completely unable to work, but is not permanently.
- Death Benefits: Surviving family members may be paid monetary benefits based on the worker’s wage.
How It All Works
If you are injured on the job, you must get immediate medical attention. Then you must inform your employer about your injury. You must do this within 120 days. If you delay too long, your claim may be denied.
Employers do not always sign off on paying for injuries. When you cannot come to an agreement, it may be necessary to file a formal petition to have a workers’ compensation judge decide your case. You will want to work with a Media workers’ compensation lawyer to assure you are treated fairly.
If you do not accept the judge’s ruling, you can petition the decision to the workers’ compensation board.
It may also be the case that your injury was the result of a third-party’s negligence, such as the manufacturer of a defective machine or a contractor. When this occurs, you may be able to file a third-party claim.
Making a workers’ compensation claim may be intimidating, but it is your right under the law to be compensated for any injuries you sustain while working.
Media Workers’ Compensation Lawyers at the Law Office of Deborah M. Truscello Protect Your Rights If You Get Injured at Work
When you are injured while working, look no further than the Media work injury lawyers at the Law Office of Deborah M. Truscello. We assist with workers’ compensation claims at every stage, working to obtain the coverage you are entitled to. For a free consultation, call us at 610-892-4940 or contact us online. From our Media, Pennsylvania office we serve clients in Delaware County, Media, West Chester, and throughout the state of Pennsylvania.