If you are injured while you’re at work, your employer’s workers’ compensation coverage should kick in and give you the opportunity to receive benefits. Once your employer’s workers’ compensation insurance company is notified of your injury or illness, the company will provide you with an authorized physician to see.
It should allow for a one-time change of physician within five days of a written request. It should also pay for all authorized medically necessary care that is related to your workplace injury.
What kinds of medical care are covered by workers’ compensation?
Some of the treatments and care that may be covered include:
- Medical testing
- Doctor visits
- Physical therapy
- Prescription drug coverage
- Travel expenses to a medical facility or a pharmacy
Once a physician determines that you’ve healed to a point where further recovery is unlikely, you will need to start paying $10 co-pays per visit whenever you seek medical care.
Can you get coverage for lost wages after an accident?
Yes. If you can’t work or earn less as a result of your injury or illness, you may be in a position to receive wage replacement benefits. You may qualify if you’ve been unable to work for over seven calendar days and can’t perform your normal job duties as a result of your doctor’s orders. Wage replacement starts on the eighth day of a total or partial disability.
The first step for you is to get your claim approved. If you are hurt on the job and receive a denial letter, you can appeal. Your attorney can help you build a stronger application and appeal the decision.