Workers’ Compensation FAQ’s
- What should I do after I am hurt?
- How much are workers’ compensation benefits?
- How long can I receive benefits?
- Are my weekly checks taxable?
- Can I be paid for a second job?
- Can I choose my own doctor?
- Am I obligated to pay co-pays or deductibles?
- How is my attorney paid?
- Can I be paid for scarring?
- Can I be retrained?
What should I do after I am hurt?
First you seek immediate medical attention. Thereafter you should contact Karsner & Meehan, P.C. to learn your rights. It is never too soon to call an attorney. You should remember that the insurance company employs teams of attorneys looking to represent the interests of the insurance company. You have the right to be represented as well.
How much are workers’ compensation benefits?
Generally a totally disabled individual receives 60% of his pay to a maximum of $1,135.82 weekly. The minimum total disability rate is $227.16. These amounts change annually. Partial disability benefits are paid at a maximum rate of 75% of total disability.
How long can I receive benefits?
Total disability benefits are paid for a maximum of three years. Partial disability benefits are paid for a maximum of five years. Combined, an individual can receive seven years of benefits. In the event that an injury is permanently and totally disabled, then lifetime benefits are paid.
Are my weekly checks taxable?
Workers’ compensation benefits are not taxable.
Can I be paid for a second job?
An individual who has more than one job and is disabled from these additional jobs can be paid for all income as long as the income is insured for workers’ compensation purposes.
Can I choose my own doctor?
An injured worker is obligated to see the employer’s/insurer’s doctor just once. Thereafter the individual has the right to choose his own doctor including a second opinion.
Am I obligated to pay co-pays or deductibles?
An injured individual does not have to pay co-pays or deductibles for medical treatment. All medical treatment is paid in full by the insurance company.
How is my attorney paid?
An attorney can be paid two ways in a workers’ compensation case. First, if the injured worker prevails at the Department of Industrial Accidents, then the attorney is paid by the insurance company. If you lose at the Department of Industrial Accidents, then no fee is paid to the attorney. The second way is through settlement. If a case settles with an acceptance of liability (medical treatment left open), then the attorney can charge a fee of 20% of the settlement. If the case settles on an unaccepted basis (all future rights closed out), then the fee is 15%.
Can I be paid for scarring?
Scars that are on the face, neck or hands are compensable under the Workers’ Compensation Law.
Can I be retrained?
Under most circumstances an injured worker who is unable to return to his former employment can be retrained for a new occupation. Retraining is limited to two years of schooling. This is paid by the insurance company.