The Most Important Details about Worker’s Compensation

September 20, 2018 | Patient Rights

If you’ve recently been injured on the job, you may not know your options when it comes to workers’ compensation. Are you eligible? What benefits do you receive? What can you expect? As a spine doctor in Philadelphia and New Jersey, we have worked with countless workers’ compensation cases and want to provide you answers to some of the most commonly asked questions for those considering filing a claim.

What is workers’ compensation?

Workers’ compensation is insurance offered by companies in the event you get injured on the job. By accepting workers’ compensation, you will receive benefits, such as wage replacement, medical coverage, and death benefits, in exchange for relinquishing your right to sue your employer for negligence.

How do I know if my company provides workers’ compensation?

All employers are required to offer workers’ compensation insurance. Depending on the size of the company, it is offered via a private insurance company or self-funded by the company itself.

What benefits does workers’ compensation provide?

While workers’ compensation isn’t one-size-fits-all and is tailored around the severity of your case, the benefits available include:

  • Lost wage – these are temporary disability benefits offered for up to 400 weeks. You will receive 70 percent of your gross average weekly salary. Depending on your case, you may also be entitled to permanent disability benefits.
  • Medical treatment – the workers’ compensation provider may elect to direct your treatment, including what providers you see. All treatment medically necessary for your injury is provided.
  • Death benefits – in the event you pass away from a work-related injury, all hospital and funeral expenses are paid. You may also be eligible for other death benefits.

What injuries are covered by workers’ compensation?

Nearly all injuries or illnesses that occur on the job are covered under workers’ compensation laws. The only exceptions include any injuries that are self-inflicted, caused by trying to harm another person, caused by intoxication, or caused by ignoring safety protocols and procedures. These injuries must have occurred between the time you begin working and leave for the day. However, some travel is eligible for workers’ compensation, such as traveling to meetings and other work offices or jobs that require frequent travel.

Who qualifies for workers’ compensation?

Benefits begin once you have been unable to work for seven days following the incident, including the weekends and holidays. Once you hit the seventh day, the benefits and payments are retroactive to the day you got injured.

Does Coastal Spine work with workers’ compensation cases?

If you were injured on the job and need treatment from a spine doctor in Philadelphia or New Jersey, we have worked with many workers’ compensation cases. Whether we need to work directly with you, your employer, your insurance case manager, or your adjuster, we pride ourselves on integrating with your care team in a way that will help you get back on your feet. If you want to learn more, call us at 856-222-4444.