Workers who are injured on the job face many issues. From lost income to medical expenses and painful recovery, it can be overwhelming. The Workers’ Compensation system was created to protect workers in these situations.
It does not matter who was at fault for your accident. If you report a compensable workplace injury, your employer should provide you with medical treatment. If your employer does not send you to a doctor within three days of reporting your injury, you have a right to choose your own doctor and treat with your physician while your employer refuses to provide medical treatment.
Injured workers have many other rights under Workers’ Compensation laws that insurance companies might not disclose. For example:
- Your medical expenses must be paid by your employer.
- If you can’t work, you might qualify for lost wages called Temporary Total Disability (TTD).
- If you can work but only with restrictions, you can request Temporary Partial Disability (TPD).
- You may seek a second opinion if you disagree with the selected doctor’s return to work release.
- You can change doctors and get a second opinion called an Independent Medical Exam (IME) about your condition.
- Your employer can be responsible to pay retraining costs including tuition, books, travel expenses and more.
- When you are ready to return to work, you might qualify for job placement assistance.
- You can request compensation and medical care, even if you quit your job or haven’t lost time from work.
- You cannot be fired for being injured or filing a Workers’ Compensation claim.
- You can contest the termination of your weekly disability pay.
- You can request a hearing to have weekly disability pay reinstated.
- You can prohibit insurance representatives from being present during your medical exams with a physician.