Having to take time off of work in order to recover from an injury can put a strain on an injured worker’s finances. It can be difficult to make ends meet if you’re not working, which is why many injured workers are eager to know when they will start receiving workers’ compensation benefits. Here’s a look at how long it will take to receive benefits:
The Insurance Company Must Review the Claim
Your employer must notify their insurance company within 10 days of learning about your injuries. The insurance company will then need to conduct a brief investigation before they can approve or deny the claim. During this investigation, the insurance company will review your medical records and the accident report. In some cases, they may ask you to undergo another medical examination before reaching a decision.
This may seem like it would take a long time, but it shouldn’t. Insurance companies are required to reach a decision within 15 days of receiving the claim. Sometimes, the insurance company can ask for a 15-day extension so they can complete a more thorough investigation. If this happens, the insurance company has a total of 30 days to approve or deny the request for workers’ compensation benefits.
What Happens When A Claim is Approved
Payment will be made promptly if the claim has been approved by the insurance company. Workers who are temporarily unable to work because of their injuries can receive temporary total disability payments for a total of 104 weeks. However, the injured worker should not expect to be compensated for the first three days of work that he missed as a result of his injuries. The law states that injured workers should not receive workers’ compensation benefits for this three-day time period.
What Happens When A Claim is Denied
Injured workers have a right to appeal an insurance company’s decision to deny their claim. But, it’s important to note that appealing is a lengthy process, so injured workers should be prepared to wait to receive the benefits they deserve if their claim is denied.
How Are Workers’ Compensation Benefits Paid?
Workers’ compensation benefits are paid directly to the person who has been injured. The money can be sent by check, electronic funds transfer, the issuance of a debit card, or by state warrant. Talk to your employer to find out how you should expect to receive your benefits.
Have you been injured at work? The experienced attorneys at Armstrong & Vaught, P.L.C. have decades of experience helping injured workers apply for workers’ compensation benefits. Call our office at 918-582-2500, toll free at (800) 722-8880, or contact us online to schedule a free consultation.