If you get into an accident during a job, you can use your workers’ compensation for your medical expenses.
Your workers’ compensation can cover emergency room care, doctor, hospital admission, X-rays, blood tests and rehabilitation treatment. However, each state has a different regulation for the approval of medical expenses for workers compensation. But medical treatment given by the doctor that is necessary to treat your injury will be covered.
Diagnostic tests – These can be your X-rays and MRIs.
Workers compensation can cover the standard treatments necessary for your condition. But there’s a limit in the number of treatments especially for ones that require multiple sessions. Physical therapy, chiropractic treatment, and massage will have to be approved. All these items can be found on the policy document that is best reviewed prior to any incidents that can lead to a claim.
Once you have already applied for workers compensation claim, the insurance company should be able to pay the medical bills immediately and continue to pay as you get your treatments. The insurer usually asks you to get pre-approval before the medical costs are incurred but this is what your doctor can process for you.
What are the benefits when claim is closed?
How much can workers compensation give you for your temporary disability benefits when your claim is closed or settled?
You will only receive continuous regular workers compensation benefits because you might have been declared permanently disabled and given a pension, entitled to have a weekly amount for permanent disability or you settled on a structured agreement.
If you are given a pension because you are permanently disabled, you will still receive regular benefits a percentage of your wages made during injury. This can be given once a month, twice a month or even once a week depending on the state you’re in.
If you have a permanent injury that is less than the total disability, you can still get your benefits weekly if you did not settle in a structured agreement that it should be given in full. The weekly benefits will be based on the stated policy.
If you settled in a structured agreement that requires your employer to pay you in small portions, then that is how you will get your benefits. This period can be a year or even five years. You will receive the amount depending on your agreement with your employer.
Every detail must be reviewed with your broker, some brokers will leave you with only a policy document or a Certificate of Insurance but a good broker will take time in explaining what your policy covers and excludes. While there are reputable companies offering this type of insurance, it is best to look up online to see who gives better services in the after-sales part.
Call Contractors Liability now at 866-225-1950 to speak with a licensed agent and they will guide you step by step in understanding what your business will need in terms of insurance coverage and will make sure you’re equipped with the understanding of why these insurances are very important and worth of your investment. Their after-sales service is top-notch and unparalleled!