Basics About Worker’s Compensation
While almost every state has its own version of worker’s compensation, not every state has the same requirements for coverage or payments. The amount and instances of coverage change depending on the location and type of injury. Regardless of the subtle and sometimes extreme differences between state municipalities, there are some rules that stay relevant even across state borders. This article will take a look at some of these important aspects to keep in mind when dealing with worker’s compensation.
Payments for Days Missed
One of the most shared rules of worker’s compensation is when an injured party receives payment for missed work. For most areas, a person can receive payment 21 days from reporting the injury. However, coverage might not be as high as some might think, especially if you only missed seven or fewer days. This is why it’s important to keep track of how much work you missed and to make a record of this.
Worker’s compensation insurance does not payout for the first seven days of absences unless the injured party remains under a doctor’s care for at least 14 days. Once the 14-day requirement is met, the party can expect compensation for the first seven missed days of work.
Amount of Coverage Received
The amount of money an employee receives through worker’s compensation benefits depends on many factors, including the injury and the place of employment. However, for severe injuries that leave an individual permanently disabled, many jurisdictions allow for two-thirds of their weekly earnings, which often caps at just over $550 per week. It’s important that you ensure the severity of your injuries are compensated fairly. Make sure to keep good documents of any medical care received.
Finding Help for Insurance Claims
Worker’s compensation insurance is a requirement in nearly every state, but each has its own regulations. Understanding a policy even on a rudimentary level requires assistance from someone with more experience than your average worker. If you want to get the best possible settlement with the least headache, then it’s in your best interest to seek legal counsel. If you were injured at work, and are not sure what your next steps should be, you could consider contacting a workers comp lawyer in New Jersey from a firm like Rispoli & Borneo, PC. Firms like these have years of experience with worker’s compensation and at the very least can help answer some questions.