Worker’s compensation, also known as workers’ comp, is a type of insurance that employers purchase to provide benefits to employees who suffer a work-related injury or illness. The purpose of worker’s comp is to protect both employees and employers. For employees, worker’s comp provides financial assistance and medical care, while employers are protected from lawsuits related to workplace injuries. In this blog post, we will discuss how long you can stay out on worker’s comp and the factors that affect the duration of your leave.
If you suffer a work-related injury or illness, you must inform your employer as soon as possible. Your employer should provide you with a claim form to complete and submit to the worker’s comp insurance carrier. The insurance carrier will review your claim and determine if you are eligible for benefits. If your claim is approved, you will receive medical treatment and wage replacement benefits.
The duration of your leave under worker’s comp depends on several factors, including the severity of your injury or illness, your medical treatment plan, and your ability to return to work. Generally, you are eligible for benefits until you reach maximum medical improvement (MMI). MMI is the point at which your medical condition has stabilized, and no further medical treatment will improve your condition.
If you are unable to return to work after reaching MMI, you may be eligible for permanent disability benefits. The amount of permanent disability benefits you receive depends on the extent of your disability and the state where you live.
In some cases, you may be able to return to work with work restrictions or accommodations. If your employer can provide work that meets your restrictions, you may be able to return to work on a modified duty basis. If your employer cannot provide modified duty work, you may be eligible for vocational rehabilitation to help you find alternative employment.
It is important to note that each state has its own laws regarding worker’s comp benefits, so the duration of your leave and the benefits you receive may vary depending on where you live.
Worker’s compensation provides benefits to employees who suffer work-related injuries or illnesses, offering financial assistance and medical care while protecting employers from related lawsuits. The duration of your leave under worker’s comp depends on several factors, including the severity of your injury or illness, your medical treatment plan, and your ability to return to work. Each state has its own laws regarding worker’s comp benefits, so consult an expert regarding your worker’s comp policy.
If you have suffered a work-related injury or illness, it is essential to understand your rights under worker’s compensation. The Club Agency is committed to helping employees navigate the worker’s comp system and get the benefits they deserve. Contact us today to learn more about how we can assist you with your worker’s comp claim.