Workers’ Compensation Benefits
If you or a loved one have been hurt at work, a workers’ compensation claim could compensate you for:
Expenses For Medical Treatments
Workers’ compensation will cover 100% of your necessary medical treatments relating to the injury you sustained on the job. There are a few rare times where a treatment may need to be pre-approved by the insurance company.Thankfully, the NY Workers’ Compensation Board has Cervical Spine Treatment Guidelines which were created so that insurance companies won’t cause a delay in the treatment process.
A fraction of your lost wages can be received if you are unable to return to work. This will go into effect once you have been away from work due to your injury for seven days or more.
Permanent Partial Disability Award and Settlement
If your condition keeps you from working for a long period of time (or you return to work and earn less due to your injury) then you may be entitled to an ongoing weekly award for a period of time or a lump sum settlement.
If you are unable to return to the type of work you did prior to the injury, the workers’ compensation insurance may help to pay for the retraining you will need to go into another field.
In the injury is so severe that the victim passes away, workers’ comp may provide certain death benefits for their loved ones.
What Should I Do If I’ve Received A Denial?
If you haven’t already consulted with a workers’ compensation attorney you should do so immediately.
Claims are frequently denied because:
- the employer disputed the claim made by saying the accident which caused the injuries didn’t happen at work or says that your injury was not the result of an accident that you were in at work
- the claim wasn’t filed correctly
- the insurance company claims that your injuries aren’t serious enough to file a workers’ comp claim
The reason for your denial will be detailed in the denial letter. An appeal of this denial can be made. There are several phases of an appeal, which is something that your attorney will discuss with you.