If you have been injured on the job, you are likely entitled to full payment of your related medical bills and a weekly payment to offset lost wages and cover the disability and disfigurement your injury has caused.
Medical benefits are meant to cover all necessary and reasonable medical treatment and services related to a workplace injury. This includes emergency treatment, diagnostic tests (X-rays, MRIs or other radiological tests, etc.), hospitalization, medication, rehabilitation therapy and more.
The workers’ compensation insurer is to pay your medical expenses. You should not receive a bill. In some cases, you may also obtain reimbursement for mileage to and from a healthcare provider’s office.
Wage-replacement benefits are paid to those who are unable to work for more than seven days after a workplace accident. They are based on a percentage of your weekly wages prior to your injury.
Additional payments for specific disabilities or disfigurement are set by law. In New York, for example, serious and permanent disfigurement to the face, head or neck may entitle the worker to compensation up to a maximum of $20,000.
Workers’ comp benefits are not taxed, which helps make up for the fact that they replace only a portion of your lost pay.