Getting Hurt At Work: Your Rights To Receive Workers Compensation Benefits

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When you get hurt on the job, you have to let your employer know right away. Your employer is required to have workers compensation insurance, which covers your medical care and paycheck while you can't be at work. You are entitled to receive medical care for your injuries, and money while you are at home recuperating. You will need to get an independent medical exam, and be evaluated by a physician who will determine when it's time for you to return to work. Getting the treatment that you need is your first step to recovery.

If the Medical Examiner Determines You Can Go Back to Work

If you go the independent medical examiner and you are told that you are ready to go back to work, you have options. When you agree with their assessment, it's time to get working again. If you are still injured and unable to perform your job duties, you can seek a second opinion for your injuries. Sometimes an independent medical examiner is so used to seeing the same complaints over and over, that they will become jaded when it's your turn to present your set of symptoms.

As You Recover From Your Injuries

If your workers compensation benefits are approved, you will need to follow through with all recommended treatment while you are recovering. Your treatment team is essential, as they are going to be the ones reporting to workers compensation when it's time to for you to return to work. If you begin skipping appointments or you are not taking your treatment seriously, your benefits from workers compensation may stop. 

If You are Turned Down for Benefits

Sometimes your Employer or their insurance company will turn down your request to receive workers compensation benefits. They may believe that your injuries were not sustained at work, or that you aren't as injured as you are claiming to be. You have the right to appeal their decision to receive benefits. This is where it will strengthen your case to seek a second opinion from a medical provider. When the first examiner determines that you have minimal, if any reasons to stay out of work, you can be denied benefits. When a second medical provider disagrees with this claim, you are more likely to be approved for workers compensation.

If you are trying to get coverage from workers compensation while you are out of work from an injury, it's time to seek legal help, such as from