Workers Compensation

Workers’ compensation is a form of insurance that provides financial and medical benefits to employees who suffer work-related injuries or illnesses. It is designed to cover medical expenses, lost wages, and rehabilitation costs, ensuring that affected employees receive the support they need to recover and return to work. Workers’ compensation helps maintain a safer and more stable work environment by encouraging prompt reporting of injuries and offering necessary resources for effective recovery.

1. How do I file a workers’ compensation claim?
   • Answer: To file a claim, you must first report the injury to your human resources. They will provide you with the necessary forms and instructions. You may need to submit a claim form to the workers’ compensation insurance provider, along with any medical documentation related to your injury. We can help guide you through this process.

2. What does workers’ compensation cover?

   • Answer: Workers’ compensation typically covers medical expenses related to the injury, such as doctor visits, surgeries, and medications. It also provides wage replacement benefits for the time you are unable to work due to your injury, as well as coverage for rehabilitation services.

3. How long does it take to receive workers’ compensation benefits?

   • Answer: The timeline for receiving benefits can vary depending on the complexity of your case and the efficiency of the claims and reporting process. Generally, you can expect to start receiving medical benefits shortly after your claim is approved. Wage replacement benefits might take a few weeks to process. There is a three day waiting period that can be covered by sick leave (the three day waiting period is waived if the leave is longer than 14 days). 

4. Can I choose my own doctor for workers’ compensation treatment?

   • Answer: In many cases, your employer or insurance provider will direct you to a specific healthcare provider or network for treatment. However, if you have specific preferences or need specialized care, you may be able to request approval to see your own doctor. Be sure to check with your employer or insurance provider for the rules and procedures regarding this.

5. What if my workers’ compensation claim is denied?

   • Answer: If your claim is denied, you have the right to appeal the decision. Review the denial letter carefully to understand the reasons behind it. You can request a review of your case, provide additional documentation or evidence, and seek assistance from a workers’ compensation attorney or representative if needed. Your employer or insurance provider can offer guidance on the appeal process.

6. Can I receive workers’ compensation benefits if the injury was partially my fault?

   • Answer: In most workers’ compensation systems, benefits are provided regardless of fault, meaning you can receive compensation even if the injury was partially due to your own actions. The focus is on ensuring that you receive medical care and financial support, rather than determining fault.

7. Will my workers’ compensation benefits affect my taxes?

   • Answer: Workers’ compensation benefits are generally not subject to federal income tax, but it’s a good idea to consult a tax professional for specific advice related to your personal situation. Some states may have different tax regulations, so checking with a local tax advisor or the workers’ compensation office can provide clarity.

• Accident/Incident/Illness Initial Report Form 
• 801 Form: Report of Job Injury or Illness (workers’ compensation claim)