Questions about benefits? Find your answers here!
Workers’ compensation covers workers in the United States of America from injuries and illnesses that may happen as a result of their job. However, while all workers are covered, many people know very little about the workers’ compensation laws in their state, much less how to file a claim and receive the benefits they deserve. Furthermore, these situations can get complicated, making it even harder to understand what’s going on. If you’ve been injured, it’s important to consult a lawyer for info on the steps to follow to receive benefits. Keep reading for a breakdown of the benefits possible when you file a workers’ comp claim!
One form of benefits that you can receive is workers’ compensation medical benefits. This means that medical treatments related to the injury are covered by the employer’s workers’ comp policy. In the State of Illinois, workers have the right to see any two doctors of their choosing and any doctors they’re referred to by those physicians.
In addition to medical care, there’s rehab to consider as well. This will depend on the extent of your injury, however. Some rehab may restore your ability to do your job, while rehab for more serious injuries may include relearning motor skills, language, and much more.
If you’re deemed disabled due to a work injury, you could be eligible for SSDI or Social Security Disability Insurance. This will pay a prorated amount based on your occupation, wages, and hours worked. Disability benefits breakdown into the following categories:
- Temporary Total Disability – This means that your injury prevents you from working at all, but will only prevent this for a limited period of time. These payments end when your doctor decides it’s safe for you to return to work.
- Temporary Partial Disability – This prevents you from doing your normal job, but only for a limited amount of time. Additionally, you may be cleared to do some work for your company. Benefits are granted to make up discrepancies in pay.
- Permanent Partial Disability – This means you’ll sustain permanent damage that will impair your ability to do your job. Payments are typically limited, and more job training may be included.
- Permanent Total Disability – Generally, this means that you can’t do your job anymore. The rules for determining these benefits may vary from state to state, but only sever injuries receive this designation.
When a worker dies because of an injury sustained on the job or an illness developed because of their working conditions, the family may be entitled to death benefits if they were financially dependent on that employee. Talk to a lawyer for more details about death benefits.