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Benefits of Injured Workers’ Compensation

Updated on August 6, 2015
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Workers' compensation is a “no fault” insurance program purchased by employers for the coverage of employment-related injuries and illnesses. The process always involves an employer, the injured employee, an insurance provider, and medical professionals.

Employees who are injured during work on the job, or even offsite in the course of employment are eligible for workers' compensation benefits while they recuperate. There are specific guideline and certain procedures to determine if an injury or claimed illness is work-related. The federal government does offer its own workers' compensation insurance for all federal employees. The process for filing a workers' comp claim, however, varies from state to state.

It's imperative that all employees must provide workers' compensation coverage to their employees - all designed to contribute benefits to the workers while protecting employees from legal lawsuits. The benefits include medical costs and partial compensation for the lost income during the injury. Some serious injury involves permanent or partial disability that results in n a permanent stipend and/or a lump sum settlement between the employer and the employee.

Workers' compensation insurance covers claims including medical care from the injury or illness, replacement income, costs for retraining, compensation for any permanent injuries, benefits to relatives if the workers are killed on the job. Once the compensation benefits have been granted, the employer cannot be sued. Also, the benefits do not cover pain and suffering. In the case of wage replacement, there is a fixed maximum amount. The eligibility begins immediately after a few days of work are missed. Please note that the benefits are not taxed, there the fair wage is modest.

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The insurance also covers problems and illnesses that are eventually developed over a long period of time on the job.

In case of injury at work, one should notify the supervisor, personnel office, or employer at your place of business immediately. For the necessary medical treatment, one must send a request. You have the liberty to select and decide on the physician for the treatment of work-related injuries.

Once an accident is reported to an employer, they should notify their insurance carrier immediately so that a First Report of Injury can be filed with the State. This is followed by reporting the insurance carrier in order to fill the First Report of Injury. After the evaluation, the injured worker is contacted for assessment and finally directed to an authorized healthcare provider for the essentials medical treatment. In case the time out of work extends beyond 7 days, the injured worker is provided with temporary disability benefits.

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Once the worker returns to work, the insurance carrier submits another form to the Division within 26 weeks called the Subsequent Report of Injury. A copy of this form is sent to the worker as well for their review.

If a worker suffers from personal injury while working for an uninsured employer, an application can be drafted to the Division's Uninsured Employers Fund (UEF) to avail medical and temporary benefits.

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For all necessary medical treatments under Workers ‘compensation insurance, we suggest you get in touch with visit federal workers compensation doctors at Arizona Injury Medical Associates P.L.L.C.

The clinic houses Double Board Certified workers compensation doctors who are experts in injured workers and personal injury victims. Trust, you'll be in safe hands.

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