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A Guide to Workers' Compensation

A Guide to WORKERS' COMPENSATION What is Workers' Compensation? COVERAGE: A no-fault system of social insurance that Workers' Compensation Employer's Liability Insurance: Insurance: compensates employees for injuries incurred while on the job Protects employers from being sued by employees in the event of a workplace injury Provides workers with medical benefits and compensation for lost due to workplace injury or illness wages Workers' compensation coverage is paid for by the employer, and cannot be deducted from employee wages. Nearly all employers are required by law to have workers' compensation coverage EXCEPTIONS INCLUDE: small agricultural operations real estate and volunteers insurance sales domestic workers self-employed workers Both part-time and full-time employees are covered by workers' compensation insurance Protection begins at the time of employment 2 Reporting a Workplace Injury REPORT AN INJURY TO YOUR EMPLOYER AS SOON AS POSSIBLE When visiting the doctor for a workplace injury, fully explain HOW, WHEN & WHERE the injury occurred. To qualify for workers' compensation benefits, an injury or illness must be reported within 180 days. Report an injury or illness in writing if possible, to ensure proper documentation. Your employer has 7 days to report the claim to the insurance For the initial doctor's examination, you must visit your employer's "preferred provider organization" (PPO) IF NOT, you may be liable for a portion of the initial treatment cost carrier Ask your doctor for a copy of Form 123 ("Physician's Initial Report of Injury or Illness") for your records! 3. Workers' Compensation Benefits COMPENSATION BENEFITS INCLUDE: Dependents such as children spouse may be eligible for monthly compensation Compensation for doctor's visits, hospital bills, prescription medications, prosthetic and medical devices Compensation up to $9,000 for burial and funeral expenses IN THE CASE OF DEATH MEDICAL CARE Compensation for permanent impairment that unable Compensation for time during which you cannot work due to injury or illness, ends when TEMPORARY ТОTAL renders you to work at your former occupation or any other reasonably available PERMANENT PARTIAL DISABILITY DISABILITY you return to work PERMANENT TEMPORARY ТОTAL PARTIAL occupation. DISABILITY DISABILITY Compensation for permanent impairment due to workplace injury or illness. Duration of compensation is determined according to your physician's "impairment rating" Compensation for hours lost or lower-wage job taken due to inability to work as usual due to workplace injury or illness 4 How Are Compensation Amounts Determined? Temporary total disability compensation is OTHER KINDS OF DISABILITY BENEFITS VARY BY INSURANCE 2/3 of your pre-injury weekly wage plus $5 each for a spouse CARRIER AND SEVERITY OF INJURY up to 4 dependent children 5 How Long Does Disability Compensation Last? DISABILITY COMPENSATION LASTS UNTIL: Maximum duration You for temporary total disability is 312 You are offered comparable light-duty work can return to your pre-injury work weeks within 12 years of the date of injury You reach medical stability What if there is a Dispute? IF YOUR CLAIM IS DENIED, you should first contact your workers' compensation claims adjuster. IF YOUR INSURANCE CÂRRIER STILL DENIES YOUR CLAIM, contact the Industrial Accidents Division for more information. 7. Do I Need a Lawyer? While hiring a lawyer is not required, an attorney can be helpful in securing the amount of workers' Workers' compensation can be a IN and confusing process. compensation that you need to cover medical expenses and other costs SOURCES: http://www.robertdebry.com/ http://laborcommission.utah.gov/media/pdfs/industrialacci- dents/pubs/EEGuide.pdf http://laborcommission.utah.gov/divisions/IndustrialAcci- dents/WCClaimsProcess.html Robert J. DeBry http://www.workerscompensation.com/utah.php https://www.wcf.com/workers-comp-101 https://en.wikipedia.org/wiki/Workers%27_compensation http://www.freepik.com/ ASSOCI ATES

A Guide to Workers' Compensation

shared by Fusion360-2 on Jan 15
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Want to learn more about what workers’ compensation is, how to report a workplace injury, what benefits you deserve and when to call a lawyer?

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