What benefits does workers’ compensation provide?
When an employee experiences a work-related illness or accident that prevents him/her from being able to work, he/she may claim workers’ compensation benefits. This entitles the employee to receive benefits to replace lost wages as a result of the sustained injury or illness while he/she is medically authorized not to work. Lost time benefits are usually a percentage of the employee’s normal wage. Also, all medical expenses, treatment, and rehabilitation costs are typically covered.
The waiting period refers to the period of time between when the injury or illness occurs and when the workers’ compensation benefits begin accruing. Benefits may be paid retroactively, depending on the state and its designated retroactive period.
How do I determine the disability date for an occupational disease?
While it may be hard to pin down the start date of an actual disease, the date of injury in these cases is determined by the first time the employee loses work time due to the illness. This time may be paid or unpaid.
What does IME stand for?
IME stands for independent medical exam. An IME is conducted by a doctor or physician other than the doctor who conducted the original examination of the injured employee. Both the insurance company and the employer are entitled to an IME to get a second opinion on the diagnosis, treatment, or whether the injury is work-related.
What happens if parties cannot resolve a dispute?
Employers, workers, and insurance carriers can file an application for dispute hearings. Typically, employees file the majority of hearing applications. When an application is filed, the state is notified of the dispute and the legal process begins. There are a variety of ways these disputes can be settled. If they cannot be settled through arbitration or stipulation, they can move forward with a formal hearing.
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