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Workers' Comp Benefits
What are workers' compensation medical benefits?
Medical costs are the responsibility of your employer and the employer's insurance carrier. Whether you suffered a slip and fall accident or a severe construction accident injury, your medical costs are covered under your employer's workers compensation insurance plan. Once your claim is accepted, you should never have to make a co-payment or pay any other fee for medical care associated with your work injury.
Many people face accidents that limit them from returning to work either temporarily or permanently. They can also deal with the need to change career paths when they are physically or mentally no longer able to perform the tasks their job demands. In these cases, there may be a right to disability benefits. Since disabilities can vary, so can the benefit options.
Unfortunately, your employer's insurance carrier will take every opportunity to interpret reasonable, necessary and related medical treatment in order to limit or deny medical and wage benefits. When you have suffered injury or illness at work, you don't need the added frustration of delays and denials of your legitimate claim. You need competent problem-solvers. Consult a Kansas City workers' compensation attorney. With nearly 50 years' experience in workers' comp claims, there is no injury or medical benefits problem we have not encountered.
Learn more about what benefits you deserve by speaking with our Kansas City attorney today!
What kinds of medical benefits can I expect?
If you were hurt or became ill on the job, you are entitled to receive medical treatment at no cost to you. Some of the medical benefits you may receive, depending on your medical need, include:
- Doctor visits
- Surgery and hospital expenses
- Prescription drugs and other over-the-counter medications
- Medical devices and supplies, such as wheelchairs, braces, crutches
In addition to these medical benefits, several levels of disability benefit may apply:
- Temporary total disability applies when your doctor states you are unable to work.
- Permanent partial disability applies when you are unable to return to work at your current job. In this case you will be offered a lump sum settlement payment for your permanent injury.
- Permanent total disability benefits apply when your injuries prevent you from work of any kind. In this case you will be offered a sum in settlement of your total disability.
An injury on the job can lead to a serious disability. The following are the different forms of disability benefits:
- Temporary Partial Disability: When the disability is partial and is for a limited period of time, benefits will be paid on a weekly basis. They will include 66 2/3 percent of the difference what you made prior to the accident and what other employees in the same field will be earning during the time you are unable to work.
- Temporary Total Disability: In these cases the benefits you receive will include 66 2/3 percent of your average weekly wage as long as it does not exceed the state's maximum amount. This amount is calculated from your gross wages.
- Permanent Partial Disability: Your benefits will include 66 2/3 percent of your average weekly wage from to the accident. This amount will not surpass the states maximum amount. In some cases you may also be able to receive a lump sum for the nature and extent of the injuries that you face.
- Permanent Total Disability: In these cases you can receive a lump sum settlement or lifelong weekly payments. This will include 66 2/3 percent of your average weekly wages as long as they are under the state's maximum limit.
Are you a worker who has sustained a disability on the job? You may be owed compensation and our Kansas City workers' compensation lawyer can help to review your case. Get in touch with us today so that we can start seeking full benefits for you and your family.
Will I receive wage loss benefits?
Any serious injury or illness that prevents someone from working for a significant amount of time can spell disaster financially. Workers' comp offers a wage loss benefit to minimize the blow to employees who are hurt on the job. This is a percentage of your wage weekly until you are able to return to any form of work and are still receiving treatment for your work-related injuries. You may still be eligible for wage loss benefits while on light duty for less than full pay. It is certain that your employer's insurance company will always be represented by experienced workers' compensation attorneys.
You deserve experience and confidence in your corner. Contact our Kansas City workers' compensation attorney today.
We are more than pleased with the outcome of our case!- Cheryl S.
The highly compassionate treatment will help you through this difficult process.- Brenda K.
They kept me informed and worked for the best outcome for me physically and personally.- Jill H.
A definite blessing to me throughout the lengthy process.- Jeanie A.
Smart and aggressive, making sure that you aren't taken advantage of...- Chris R.