Am I Entitled to Disability Benefits if I Get Hurt at Work?

Am I Entitled to Disability Benefits if I Get Hurt at Work? Image

Workplace injuries can happen in an instant, leaving employees wondering about their rights and available benefits. In Oklahoma, if you suffer an injury on the job, you may be entitled to disability benefits through the state’s workers’ compensation system. These benefits can help cover medical expenses, lost wages, and more. But how do you know if you qualify? Speak with the experienced team at Burton Law Group, your trusted Oklahoma workers compensation attorneys, to ensure you receive the benefits you deserve.

What Are Disability Benefits Under Workers’ Compensation?

Disability benefits are an essential aspect of the workers’ compensation system, designed to protect employees who are unable to work due to a job-related injury or illness. These benefits aim to ease financial burdens by providing income replacement, medical coverage, and, in some cases, rehabilitation services.

In Oklahoma, workers’ compensation is regulated by the Oklahoma Workers’ Compensation Commission (OWCC), which oversees claims to ensure injured workers receive the benefits they are entitled to under the law. Employers are legally required to carry workers’ compensation insurance to cover these claims. Disability benefits fall into several categories, tailored to the severity and duration of the injury:

  • Temporary Total Disability (TTD): This benefit provides compensation to workers who are entirely unable to perform their job duties for a temporary period. Payments typically amount to a percentage of the worker’s average weekly wage, helping to cover essential living expenses during recovery.
  • Temporary Partial Disability (TPD): This applies when an injured worker can perform some work but not at full capacity. For example, an employee may be restricted to part-time duties or lighter tasks, and TPD compensates for the difference between pre-injury earnings and current income.
  • Permanent Partial Disability (PPD): If an injury results in a permanent impairment but does not prevent the worker from returning to some form of employment, PPD benefits offer compensation for the lasting impact on their earning capacity.
  • Permanent Total Disability (PTD): For workers who suffer catastrophic injuries or illnesses that permanently prevent them from performing any work, PTD benefits provide long-term financial support.

These benefits ensure that injured employees have the resources needed to focus on recovery without the added stress of financial instability.

Do You Qualify for Disability Benefits?

To qualify for workers’ compensation disability benefits in Oklahoma, you must meet specific legal requirements. Understanding these criteria can help strengthen your claim and ensure you receive the support you deserve:

  • Work-Related Injury or Illness: Your injury or illness must occur as a direct result of your job. Examples include physical injuries from machinery accidents, falls, or exposure to harmful substances. The key factor is that the incident arises out of and in the course of your employment.
  • Timely Reporting: Oklahoma law requires employees to report workplace injuries to their employer within 30 days of the incident. Prompt reporting is crucial, as it allows your employer to document the event and begin the workers’ compensation process. Delayed reporting can result in disputes or claim denials.
  • Medical Evidence: Your injury or illness must be confirmed by a licensed medical professional. This includes documentation of the diagnosis, the extent of your disability, and how it limits your ability to perform job duties. Employers may require an independent medical examination (IME) to verify your condition.

It’s important to follow these steps precisely. Mistakes or delays in filing a claim can jeopardize your benefits. If you encounter resistance from your employer or their insurer, working with an Oklahoma City workers compensation lawyer can protect your rights and improve your chances of a favorable outcome.

Common Workplace Injuries That Qualify for Disability Benefits

In Oklahoma, workers’ compensation covers a wide range of injuries and illnesses, including both sudden accidents and conditions that develop over time. Common examples include:

  • Repetitive Stress Injuries (RSIs): These injuries, such as carpal tunnel syndrome or tendonitis, result from repetitive motions like typing, assembly line work, or operating heavy equipment. Over time, they can lead to chronic pain and reduced mobility.
  • Traumatic Injuries: These occur during workplace accidents, such as falling from heights, being struck by an object, or machinery malfunctions. Traumatic injuries often involve broken bones, burns, lacerations, or concussions.
  • Occupational Illnesses: Long-term exposure to hazardous substances can lead to illnesses like mesothelioma, respiratory conditions, or chemical poisoning. For example, workers in manufacturing or construction may develop conditions caused by asbestos or toxic fumes.
  • Back and Neck Injuries: These are common in physically demanding jobs and often result from heavy lifting, slips, or falls. Herniated discs, spinal injuries, and chronic back pain are common examples that may qualify for disability benefits.

No matter the severity of your injury, it’s essential to seek immediate medical attention and follow up with legal support to ensure your claim is handled correctly. An experienced Oklahoma workers compensation attorney can guide you through the process and address disputes that may arise.

When Should You Seek Legal Help?

If your claim is denied, delayed, or undervalued, it’s essential to consult an experienced Oklahoma City workers compensation lawyer. Common signs that you need assistance include:

  • Employer retaliation after reporting your injury.
  • Disputes over whether your injury is work-related.
  • Unfair settlement offers from the insurance company.

Burton Law Group’s team of Oklahoma workers compensation attorneys is equipped to handle these challenges, giving you peace of mind during a difficult time.

Take Action Today

Recovering from a workplace injury is hard enough without worrying about navigating legal claims. Let Burton Law Group take the stress off your shoulders. Get in touch with us today to schedule a consultation and learn more about your rights under Oklahoma workers’ compensation laws.