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Workers’ Compensation sometimes called workers comp or workman’s comp is an insurance that an employer is required by law to carry in case an employee is injured on the job, becomes ill due to circumstances surrounding their job, becomes temporarily or permanently disabled, or even if death results from their job. It is your right as an employee to receive medical treatment at the employer’s expense as long as treatment is reasonable and necessary to treat the injury.
You are also entitled to receive wage loss benefits while you are unable to return to work, and for permanent disability. If you were injured during the course of your employment, you can benefit from a form insurance called workers’ compensation. A workers’ compensation gives medical treatment, salary replacement and and of course permanent disability compensation to an employee who suffered job-related injuries or illness, and to give death benefits to their dependents who have died during their employment.
If you are filing a worker’s compensation claim you must know the basic guidelines for the procedure. First, you must report the injury or occupational disease to your employer immediately. If your claim is an occupational disease, report the claim as soon as you learn the condition may be related to your employment. Your employer should then provide you with the forms necessary for filing your workers’ compensation claim. Workers’ compensation claim applications must be notarized and filed with the Department of Workers’ Claims. There are three types of claim applications, Form 101 is for injury claims; Form 102 is for occupational disease claims; and Form 103 is for use in hearing loss claims.
You will then receive a written notice from your employer’s workers’ compensation insurance carrier if your workers’ compensation claim eventually gets denied. You should receive the notice after reporting your injury to the Department of Workers’ Claims. Some claims may be denied and one of the major reasons for a claim denial is improper medical documentation and insufficient evidence of workplace injury. Claims may also be denied if the employee has not sought medical treatment or has a pre-existing condition that has contributed to the injury or illness. If your claim is denied, you may appeal the denial. The appeal process will be explained on the letter you receive stating your claim was denied. Your case will then be passed to an administrative law judge, who will hold a benefit review and then a hearing. The judge will then issue a written decision.
With worker’s compensation claims there is a law firm that has the expertise with this kind of field. Bussey&Fouts has been in the business of helping clients for a long time to the best of their knowledge and with a commitment to serving individual needs. Rest assured that your case is a priority to them, they never think that your case is small, they treat each case as if it is the biggest. They are very professional and with complete integrity. For worker’s compensation claims you can trust Bussey&Fouts.