4 Frustrating Facts About Work Comp
1. How Quickly Can You Receive a Check?
If your employer's insurance company accepts your claim, you could begin receiving checks immediately.
However, with a denied claim or one that goes to trial, the process can become lengthy. Doctors have to certify that your injury is related or caused by the work you did.
Here's something you might not realize: Even if the injury was your fault, a workers' comp claim can still be filed and awarded. Fault isn't an issue.
2. Does it Feel Like Your Employer is Against You?
Well, think again.
Sometimes, when checks aren't issued or the insurance company fights to deny benefits, don't assume that your employer has turned against you. We understand it might seem that way, but it's not always the case.
From your boss down to your coworkers, they have very little involvement in the workers' compensation process. In fact, it's your employer's insurance company that's trying to deny or lessen your benefits.
Insurance companies are huge businesses that collect massive profits. They try very hard to make sure they pay out the least amount of money possible for injured people.
Your employer isn't necessarily against you. Their insurance company is.
3. Do More Injuries Mean More Money?
One of the most frustrating things about workers' compensation is that despite multiple injuries, you're only able to recover money based on the wages you earned while working.
This means that there's a cap on the amount of money you can receive weekly. But that doesn't mean you aren't entitled to money for medical bills.
There are further exceptions to this rule, but we doubt the insurance company will mention them to you. So we will.
There are separate settlements you can collect if your injury caused scarring or resulted in amputation or loss of function – what we call, "specific loss."
4. Can You Collect SSD & Work Comp at the Same Time?
We've had a lot of people ask us if they're able to collect payments for both Social Security Disability and Workers' Compensation at the same time. The short answer is "Yes."
But there's a catch.
The amount of payment you receive for workers' comp will impact the amount you receive for Social Security disability.
Likewise, if you're receiving Social Security retirement benefits, those payments will impact the amount of money workers' compensation pays you.
Ultimately, there's nothing that prevents you from collecting both Social Security and workers' compensation payments at the same time, but you should be aware of their impact on each other.
Don't Get Bogged Down – We Can Help
One of the biggest things we stress to our clients is keeping a cool head and remaining patient. We know just how frustrating the workers' compensation process can be – we see it every single day.
But our dedicated work comp team has helped thousands of people recover the benefits they deserved. With over 25 years of experience, they've got you covered.
So remember, if you need us after your workplace accident or are frustrated by the insurance companies, our team is always just a phone call away.