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How Worker’s Compensation Supports Those Injured at Work?

How Worker's Compensation Supports Those Injured at Work?
Learn everything you need to know about how workers compensation supports those injured at work.

If you haven’t heard of the workers’ compensation before, consider yourself lucky, because it most likely means that you weren’t in situations when you needed one. If there’s one thing that’s certain when it comes to this, is that it is essential not only for employers but for employees as well.

They can reap the benefits when they are God forbid sick or have sustained an injury while they were working. This type of compensation covers a variety of different things that can streamline the recovery of a worker.

All of this sounds pretty interesting right? If you agree with this conclusion and you’re willing to learn more about it, then stick with us because, in today’s article, we will tell you all about workers’ compensation.

For Starters – How Can We Define It?

We previously gave you a vague answer about it, but below we will provide you with a more thorough explanation. Namely, it offers compensation to injured workers for all the lost income and medical expenses they’ve had that were intended not only for medical examinations and tests but for various medications and treatments too.

So how pay for this type of coverage? That is the duty of an employer, not an employee. An injured party is going to receive the proper compensation if it’s determined that a particular illness or injury was related to the work.

But what are you going to do if an employer or an insurance company doesn’t want to pay anything? In these types of situations, you must turn to a worker’s compensation lawyer and potentially take things to court. Generally speaking, this legal expert will do a lot of beneficial things to ensure you get fair compensation.

For starters, they will negotiate with the insurer on your behalf, collect all the relevant medical proof that will showcase the severity of your injuries/illness, and represent you at the hearing.

Therefore, if you’re currently having issues with the insurance company or your employer as far as this is concerned, then you should try to hunt down a workers’ compensation advocate to see what needs to be done to get an excellent outcome

Speaking of workers’ compensation, it can also compensate a family if their family member’s death was work-related.

The Most Common Workers’ Compensation Benefits – Starting With Temporary Total Incapacity Benefits

There are several workers’ compensation benefits you need to be aware of if you were injured at work, or if it caused you a specific illness. So let’s learn all about these types. The first one is temporary total incapacity benefits.

What can be said about it? You can qualify for it if you’re unable to go back to work for at least six full or partial calendar days. In these instances, your age, experience, and training are taken into account.

It’s worth mentioning that the days that you do not work, do not necessarily have to be consecutive. You can expect the benefits of 60% of your gross average weekly salary. If you want to determine your benefits, you must do the following:

  • Figure out your actual gross wage, which includes bonuses, overtime, and other factors.
  • Split this number by the number of weeks you did your job to compute the average weekly salary.
  • Then you should multiply that number by sixty percent in order to determine roughly your weekly compensation.

Furthermore, the most you can get is the State’s Average Weekly Wage, which refers to the time you were injured. It is set each year by the Massachusetts Division of Unemployment.

Moving On To Partial Incapacity Benefits

You can opt for this one if you are still able to work, however, you still lost an earning capacity due to work-related injuries or disease. This may usually include dealing with an injury that is forcing you to do a different job that isn’t paid as well as the previous one or to work fewer hours.

In these types of situations, you can expect to receive compensation of seventy-five percent of what your weekly total temporary benefits would potentially be. To make things a little bit clearer, we’ll give you an example.

For instance, if you get $440 a week for a total temporary benefit, the most you could expect to get if you gathered partial benefits would be $330 on a weekly basis. These types of benefits you can get for no more than 260 weeks.


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What About Medical Benefits?

If by any chance, you sustained an injury (or illness) at work, then you can apply for medical benefits. Of course, this rule applies only to the people who have actually sought medical attention and gone through some thorough examinations.

Bear in mind that you have every right to high-quality and reasonable medical care as a result of your injuries or disease. Aside from that, you are entitled to prescription indemnity and indemnity for travel to and from the hospital (or any other healthcare facility) because of your current health situation.

Just don’t forget that your employer has the right to pick a healthcare provider who’s going to properly examine you. This refers to your first visit to the hospital or physician. Once that first visit is over, you can select your own healthcare provider.

Another thing that’s worth mentioning is the fact that the insurer is entitled to send you to the hospital and/or doctor, occasionally, just to be one hundred percent sure that you are incapable of working.

As soon as you report the claim to the insurance company, they are obligated to give you an insurance card that comes with a claim number, along with the contact information. Once you receive it, you should give the claim number to the physician so that he or she can charge the insurer right away.

On the other hand, if you do not receive this card, then you must call the insurer as soon as you can.

How Worker's Compensation Supports Those Injured at Work?
If by any chance, you sustained an injury (or illness) at work, then you can apply for medical benefits.

Aside from these benefits that were mentioned today, there are some others that weren’t discussed. However, the main goal of this article was to show you how beneficial this compensation really is.