Different Benefits Available to You Through Workers’ Compensation
Maria clocks into work expecting a regular day. Out of nowhere, she slips on a wet floor or has an issue with faulty equipment. These accidents are more common than you might think and can impact not just her day, but also her long-term career. This is precisely the scenario that workers’ compensation is designed to address. As a government-required insurance scheme, workers’ compensation offers financial support and healthcare benefits to employees who sustain injuries while on duty.
The Importance of Knowing Your Rights
Many workers are unaware of the full extent of benefits available to them through workers’ compensation. This lack of knowledge can result in less than adequate compensation for their needs. To address this issue, let’s delve into the different benefits that you, as an employee, are entitled to if you’re injured at work.
Medical Expenses Coverage
One of the most immediate concerns following a workplace injury is medical expenses. According to the Oklahoma Workers Compensation Commission, workers are entitled to have their medical bills covered. This includes everything from emergency room visits and surgeries to prescription medications and rehabilitation services.
If you’re unable to work due to your injuries, workers’ compensation will provide wage replacement. The specific percentage varies by jurisdiction, but in Oklahoma, for instance, you can generally expect seventy percent of your average weekly wage (up to a maximum that changes every year) to be compensated. The idea is to relieve financial stress while you’re unable to work.
Suppose your injury prohibits you from returning to your previous job role. In that case, vocational rehabilitation services like job placement assistance and retraining may be available to you. Oklahoma workers’ compensation includes provisions for vocational rehabilitation to help you get back into the workforce in a new capacity.
Permanent Partial or Total Disability
In more severe cases where an injury results in long-term or permanent disability, additional settlements can be significant. Workers’ compensation can provide for lump-sum payments or weekly benefits depending on the nature and extent of your disability.
It’s a grim topic, but if a workplace injury results in death, the deceased employee’s dependents are entitled to death benefits. This can include funeral expenses and a portion of the deceased’s wages, helping to ease the financial burden on the surviving family members.
How to File a Workers’ Compensation Claim
Here are some of the steps you could take:
Step 1: Report the Injury to Your Employer
The first step is to notify your employer about the injury as soon as possible. Make sure to do this in writing and keep a copy for your records.
Step 2: Seek Immediate Medical Attention
Don’t delay medical treatment. Immediate care not only aids your recovery but also provides vital documentation of your injuries, which will serve as evidence in your claim.
Step 3: Complete Required Forms
Your employer will provide you with the necessary workers’ compensation forms. Fill these out accurately and submit them to your employer, who will then forward them to the insurance carrier. Again, keep copies of all submitted forms.
Step 4: Keep Records
Maintain a detailed record of all events, treatments, and expenses related to your injury. This includes medical bills, travel expenses to medical appointments, and any other costs incurred.
Step 5: Get Legal Representation
Navigating workers’ compensation claims can be complex. Hiring an Oklahoma workers’ compensation attorney can help ensure you receive all the benefits you’re entitled to. Burton Law Group can guide you through the process effectively.
Legal Representation Matters
The benefits of workers’ compensation are diverse and tailored to cover various expenses and needs that can arise due to workplace injuries. From medical bills and wage replacements to vocational training and even death benefits, the system is designed to offer a safety net to employees.
That said, the process can be daunting, especially when you’re dealing with the physical and emotional toll of an injury. This is where legal services come into play. At Burton Law Group, we have Oklahoma City workers compensation lawyers who understand the intricacies of the system. We can provide the help you need for your claim, ensuring you receive the benefits you are entitled to.
Don’t leave your compensation to chance; ensure your rights are well-protected. Reach out to us for assistance with your workers’ compensation needs.
Contact us today to set up a consultation. Your future and well-being may very well depend on it.