What kinds of benefits can I receive under Workers’ Compensation?
Employees who have suffered a work-related accident or illness and are unable to work are eligible for workers’ compensation benefits. These benefits include compensation for lost wages if the employee has been medically authorized to take leave from work. Lost time benefits are typically a percentage the employee’s wage from before the injury or illness occurred. Medical expenses for treatment and rehabilitation are also covered.
What is a waiting period?
A waiting period constitutes the chunk of time between the date the injury occurred and the date the workers’ compensation benefits start accruing. An employee may be paid for their waiting period retroactively and each state has its own designated retroactive period.
How do you determine the disability date for occupational disease?
The date of “injury” is determined by the first date an employee loses time at work due to the disease or disability. This time may be paid or unpaid.
What is an IME?
IME stands for an Independent Medical Exam. This refers to a medical exam by a different medical professional or physician than the doctor that originally examined the injured employee. The employer or insurance company is entitled to an IME in order to verify or challenge the original diagnosis, treatment plan, or if the injury or illness is work-related.
What happens if a dispute between parties can’t be resolved?
If the employee, employer, and/or insurance carrier cannot resolve a dispute, they can file an application for a hearing. Employees tend to file most hearing applications. When an application is filed, it notifies the State where the dispute occurred and starts the legal process. There are several different possible outcomes for a dispute. They can settle through arbitration, stipulation, or proceed with a formal legal hearing.
Do you have further questions about workers’ compensation? ERM Insurance Brokers in Irvine, California is here to help!
Call (949) 222-0444 to learn more.