What is a work injury?
A work injury is an injury that arises out of and in the course of employment. It may be an injury or an occupational disease and it may occur instantaneously or over time.
What is Covered by Workers’ Compensation Insurance?
Workers’ compensation (WC) insurance pays for all reasonable and necessary medical services and supplies related to an on-the-job injury or illness. In some cases, this may include not only coverage for doctor visits and hospital treatment, but also coverage for physical therapy, medication and chiropractic treatment. Alternative treatment, such as massage therapy and acupuncture, must be pre-approved. If you are unable to work during your recovery from a compensable work-related injury or illness, you will be provided with weekly wage compensation. Your absence must be related to your work injury and authorized in writing by your doctor. Compensation is determined according to state statute and is subject to a three-day “waiting period”. Workers’ compensation disability payments are approximately two-thirds of your average weekly wage and are non-taxable.
If you are unable to return to your pre-injury job after recovering from your work related injury or illness, you may be eligible for vocational rehabilitation services.
Workers’ Compensation Claim Procedures: