Workers’ compensation is an accident insurance program paid for by your employer. It is in place to provide you with medical, rehabilitation and income benefits if you are injured on the job. It also provides benefits to your dependents if you die as a result of a work-related injury.
Can you see more than one doctor under workers’ compensation?
Yes you can, especially if you have more than one condition. Generally, if you hurt your back, shoulder, hand or leg, you are not going to see the same doctor for each of these body parts. Even if it is just one body part, you have the option of getting a second opinion.
For how long can you draw workers’ compensation benefits?
This varies from state to state for non-catastrophic cases. If your injuries are considered catastrophic, your benefits may go on for life.
How do you receive your benefits?
You will receive a check once a week, and there is generally no one with whom you have to check in. If you are injured but still working, as long as you are going to the doctor and receiving treatment, there should be no check-in. The only time you may have to check in with someone is if you are still injured but have stopped seeing a doctor.
How long do you have to be out of work before you can receive compensation?
You have to be out of work seven days. The first seven days there is no payment under workers’ comp; however, if you are out of work for twenty-one days, they will go back and pay you for the first seven days.
Do you have to pay taxes on workers’ compensation?
No, you do not pay taxes on workers’ comp; this is part of the reason you are receiving only two-thirds of your average weekly wage. The employers and insurers are paying the taxes for you.
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