Individuals who suffer from work-related injuries may be eligible for a number of different benefits, which are all covered by worker’s compensation insurance. Benefits can vary greatly based upon a variety of factors, including the nature of the injury and geographic location, therefore employees should speak with a trained legal professional to determine which damages they may qualify for. However, there are a few common damages that pertain to a high percentage of cases.
Lost wages is one of the most prevalent damages in a worker’s compensation case. Generally, employees can receive up to two-thirds of their average income, but that amount can differ depending on the state law minimum and maximums. If the injury leads to long-term or permanent unemployment, the individual may be eligible for a lump sum amount.
Medical and Prescription Bills
Doctors’ appointments, alternative therapy treatments, and prescriptions all fall into the category of medical bills. Employees may also qualify for prescription bill reimbursement, as well as payment for rehabilitation services, likes physical therapy and retraining.
Travel Expenses for Medical Visits
Injured workers may qualify for the cost of fuel going to and from their doctor and specialist visits. All mileage should be accounted for in a log, and gas receipts may be used as proof of the expense. The worker’s comp board will audit all records, and it is essential to keep accurate and detailed documentation.
Future Loss of Wages
If the injury will prevent the employee from working in the future, they may be eligible for lost wages that they would have earned over a set period of time. The exact amount of time is typically calculated into the agreement or settlement contract.
Reduced Quality of Life
This is one of the most difficult damages to account for, as a reduced quality of life does not usually have a monetary value. A variety of factors are taken into consideration to calculate these damages, such as the individual’s lifestyle before the injury and activities that they carried out on a regular basis
Permanency of the Disability
Some medical issues, such as spinal injuries or life threatening illnesses, may lead to a more prolonged disability. In these instances, the employee may choose to seek future medical expenses and health insurance benefits to cover their extended health care needs, as well as other expenses that arise as a result of their permanent disability.
Employees who suffer from on the job injuries can seek the help of a qualified legal professional to determine which damages they may be eligible for, as well as how they can pursue a worker’s comp claim and receive the benefits they deserve.