Getting injured at work is stressful enough. What’s even worse is discovering that you may not be able to resume your job duties.
In addition to your recovery, you are now worried about your and your family’s financial security. Fortunately, workers’ compensation provides protection when an injury affects your ability to return to work.
How workers’ comp benefits can help
Not all work injuries heal completely. Eventually, your doctor may say you’ve reached maximum medical improvement (MMI). This doesn’t mean that you’ve fully recovered. Your doctor is simply saying that your condition isn’t expected to improve much.
If, up until you reached MMI, you were recovering and unable to work, you were likely receiving temporary disability benefits. These payments are about 70% of your average weekly wage, up to the state maximum of $1,199 per week. If you can return to work in some capacity, though not necessarily the same as before, you may qualify for permanent partial disability benefits. These are meant to compensate you for lasting limitations caused by your work injury and may last for 400 weeks.
Some employers offer their injured employees light duty or modified work. If the job fits your doctor’s restrictions, refusing to do it could affect your benefits. However, you don’t have to work beyond what your doctor allows or push through pain that worsens your condition. For the most severe injuries, where working any regular job isn’t possible, you may qualify for permanent total disability benefits for 450 weeks.
Your employer and their workers’ comp insurance carrier will likely want to pay a settlement to close your claim. Your age, work history, education and physical limitations are all factors in determining the settlement amount. But settling is a serious decision. Once you accept the settlement, you end your right to future medical treatment through workers’ comp. You may find yourself paying out of pocket later.
Discussing your situation with a legal professional can be helpful. They will ensure you understand your rights and guide you through the process of making an informed decision that protects your health and your financial future.