Employees who are injured at work are entitled to workers’ comp wage loss benefits and medical expenses through workers’ compensation. Depending on the severity of the injury, these benefits can be temporary or permanent. In some cases, an employee may also be entitled to specific loss benefits, which are additional payments for certain injuries that result in the loss of a body part or function.
Employees injured at work should know their rights and the process for filing a claim. They should also be aware of the different benefits available to them. Read on to learn about workers’ comp wage loss benefits and specific loss benefits!
What are Wage Loss Benefits in Workers’ Compensation?
Workers’ Comp Wage loss benefits are payments made to an injured worker to compensate for a loss of wages due to a work-related injury. This benefit is usually paid as a percentage of the worker’s pre-injury earnings, up to a maximum dollar amount. In addition to wage loss benefits, workers’ compensation may also provide benefits for medical expenses and vocational rehabilitation.
What are Specific Loss Benefits in Workers’ Compensation?
Specific loss benefits are payments made to an injured worker to compensate for a specific body part or function loss due to a work-related injury. This benefit is usually paid as a lump sum and is not based on the worker’s pre-injury earnings. Both wage loss and specific loss benefits are important benefits that can be paid to an injured worker through workers’ compensation. If you are injured at work, you must know which type of benefit you may be eligible for.
How do I Qualify for These Benefits?
- Workers’ Comp Wage Loss Benefits
To qualify for wage loss benefits, you must have suffered a work-related injury that caused you to miss at least five workdays. Your employer must also carry workers’ compensation insurance. Suppose you are injured while working for an employer who does not have workers’ compensation insurance. In that case, you may still be eligible for wage loss benefits through the state workers’ compensation program.
You must fill out a workers’ compensation claim form to apply for wage loss benefits. You will need to provide information about your injury, including how and when. You will also need to provide your and your employer’s contact information. Once your claim form is submitted, your employer’s workers’ compensation insurance company will review it and decide about your benefits.
- Specific Loss Benefits
To qualify for Specific Loss benefits under a Workers’ Compensation policy, an injured worker must have experienced the loss of a body part or function due to a work-related injury. This benefit is usually paid as a lump sum and is not based on the worker’s pre-injury earnings.
An injured worker must first file a claim with their employer to receive Specific Loss benefits. The employer will then forward the claim to their workers’ compensation insurance carrier. The insurance carrier will review the claim and determine whether the worker is eligible for benefits. The worker may appeal the decision if the insurance carrier denies the claim. It is important to note that not all workers’ compensation policies include Specific Loss benefits. Some policies only provide wage loss benefits, while others may provide both types of benefits. Before you are injured, you must know what benefits are included in your employer’s policy.
In conclusion, it is important to know the difference between wage loss benefits and specific loss benefits when you are injured at work. Wage loss benefits provide partial replacement of your lost wages, while specific loss benefits provide for certain additional expenses related to your injuries. If you have any questions about your rights or benefits, Pistiolas Law Workers’ Comp Attorney (844-414-1768) can help.