5 Crucial Ways to Understanding Workman’s Comp InsurancePosted:
Even having a basic understanding of workman’s comp insurance can help you when you need to file a claim. Even when you don’t need to file a claim, it is wise to learn how it works.
If you don’t understand how workman’s comp works then you may not get the benefits that you deserve. We understand it is difficult to learn about insurance and other somewhat mundane topics but we’re aiming to make it as easy as possible.
Continue reading this article to get learn more about workman’s comp insurance.
The 411 on Workman’s Comp Insurance
Getting what you deserve out of your workers’ compensation is sometimes easier said than done. No one wants to put out money they don’t have to and the insurance companies are holding onto as much money as they can.
The following tips can help you as you’re dealing with workers comp issues.
1. Know What Is Covered by Workman’s Comp
If you get an injury or illness, you may be wondering if it is covered by workman’s comp.
To get workman’s comp, the injury or illness you have must have been gotten during work or happened because of work.
Medical expenses related to the work-related injury or illness may be covered. The medical expenses that may be covered may include physical therapy, hospital visits, prescription medication and more.
If you want alternative treatments such as chiropractic treatment, these must be approved.
Workman’s comp also pays a percentage of the lost wages when linked to the work-related injury or illness. A medical provider has to approve the absence or it won’t be a part of the lost wages you get compensation for.
2. How Workman’s Comp Works
If you were injured or got an illness due to work then you might get money from workman’s comp. Before you do anything, you need to notify your supervisor immediately.
After notifying the supervisor, you need to get to the doctor right away. If you are not in immediate danger, schedule an appointment with an approved provider to have your injury checked.
Start the claim process by getting with your employer for the appropriate paperwork. Your employer will also give you the contact information of their insurance company.
Now you file the claim and once the business insurance company approves the claim, you receive the compensation.
While workman’s comp will pay you for some lost wages and may cover medical expenses, you want to get back to work as soon as possible. You can speak to your physician and they will advise you on when to get back to work.
3. Benefits Can Be Terminated
Even after your claim is approved, if the insurance company can find a legitimate reason not to pay you they will attempt to terminate your benefits.
If you refuse light work or if you refuse an independent medical exam, your benefits may be terminated. The same goes if a private investigator catches you doing things you claim you can’t do.
Get the Compensation You Deserve
Now that you know more about workmen’s comp insurance, it’s time to get the compensation you deserve. Understanding the process helps you get and keep your compensation until you are ready to go back to work.
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