Workers’ compensation is a legal insurance in the United States and many other countries that provide financial assistance to employees who suffer from occupational illnesses or injuries. State governments run the program as part of their social welfare programs most of the time. Workers’ compensation laws get made because workplace injuries often lead to lost work time and lawsuits. The rules try to give employees fixed monetary awards so that they don’t have to go to court. This article will talk about the different Types of Workers’ Comp claims and how to file them.
Different Types of Workers’ Comp Claims
There are three kinds of workers’ compensation claims: those for medical care only, for only temporary total disability, and a permanent and total disability.
Medical-only Workers’ Comp Claims
Medical-only workers’ comp claims get made when an employee gets hurt or sick on the job and can be linked directly to their job duties. To be considered a “medical-only” claim, the employee must not have been hurt or sick in any other way outside of work.
Medical-only workers’ comp claims usually cover back injuries, carpal tunnel syndrome, slips and falls, and occupational asthma, among other injuries and illnesses. If an employee gets hurt or sick while doing their job duties and the injury or disease can be linked directly to them, the claim will likely get accepted.
Benefits of Medical-only Workers’ Comp Claims
- First and foremost, you won’t have to pay for the medical care you need after getting hurt. It can be beneficial if you aren’t working and have trouble paying your medical bills.
- Also, if you file a claim for medical expenses only, you may be able to get benefits to replace your lost wages. It means that you can get some of the money you would have made but can’t because you can’t work.
Temporary total disability (TTD) is a workers’ compensation benefit that replaces a worker’s income when they can’t work because of an injury or illness caused by their job. TTD payments usually get made until the employee returns to work or settles the compensation claim.
To be eligible for TTD benefits, an employee must be temporarily unable to work because of an illness or injury. The worker is also responsible for demonstrating that the disease or injury directly resulted from their employment. Workers who sustain an injury or illness outside of the scope of their work are ineligible to receive TTD payments.
Permanent Total Disability Claims
Permanent total disability (PTD) is a type of insurance claim made when a person gets found to be permanently physically or mentally unable to work in any capacity. PTD benefits get given most of the time on top of Social Security Disability Insurance (SSDI). They get meant to help the claimant keep a reasonable level of financial security.
To get PTD benefits, a person must meet two requirements. First, the person making a claim must not be able to work. It means that the person’s disability must be so bad that they can’t do even the simplest job tasks.
How Do I Make A Claim For Workers’ Compensation?
In California, most workers’ compensation cases follow the same general steps.
- Notifying your supervisor of your injuries as quickly as possible is the first thing you need to do to file a worker compensation claim.
- You will also have to fill out an incident report that says when and how the injury happened.
- After then, it will be necessary for you to submit a claim to the workers’ compensation insurance company that your employer has.
- Help your employer and the insurance company with the process as a whole.
- Get the necessary medical attention and therapy so that you can get better.
Talk to us!
Claiming workers’ compensation benefits can be a challenging process. It is under these situations that DYS Law Offices shine. We can lend you our assistance in submitting your claim and acquiring the rightly your advantages. Visit our website or give us a call at (213) 855-4749 if you want more information about the services we can provide for you.