Workers’ Compensation Benefits

Work Injury Medical Benefits

Workers’ compensation is financial compensation for an injury an employee gets during work. Getting injured on the job can be a tricky legal process in getting the proper compensation you deserve and requires the expertise of a Sacramento workers compensation attorney.

Work-related injuries vary, such as:

• Falling off a step-ladder and breaking your arm
• Getting a chemical burn due to your work environment
• Dislocating a shoulder during a car accident while driving for your company, such as to pick up materials or to make a delivery
• Repeated exposure to physically stressful events – This can be hearing loss due to loud noise or a wrist injury due to repetitive motions required by your work.

Workers’ compensation is a form of insurance that a company pays for to protect their workers. Unlike other insurance, there is no amount of money deducted in paychecks for workers’ compensation – the employer is obligated to pay for it as a part of doing business. In the state of California, this insurance has five basic benefits:

• Medical care – After an injury at work, the employer pays for the relevant medical care
• Temporary disability benefits – This includes lost wages due to an injury or disability that prevents the injured party from working
• Permanent disability benefits – If the injured employee does not recover completely, these benefits cover lost wages
• Supplemental job displacement benefits – Displacement benefits consist of vouchers that help the injured party pay for retraining or acquiring new skills in the case the employee can not return to his or her original job
• Death benefits – In the unfortunate case of the death of an employee, these benefits go to the spouse, children, or other dependents of the deceased

Unfortunately, under California law it is not required for independent contractors to be covered under the workers’ compensation of the company for which they work. As there is no exact definition of “independent contractor,” it can be difficult to determine if someone is an actual employee or an independent contractor.

When the person paying the worker behaves in the following ways, the court is likely to consider an employer/employee relationship:

• Controlling the details and manner of work
• Having the right to terminate the worker
• Paying the worker an hourly or salary wage
• Making unemployment and social security deductions
• Supplying materials or tools
• Requiring the worker to work specific days or times

Have you suffered a serious work injury? Contact workers’ compensation attorney at the Law Office of Roy Yang for FREE consultation about your California workers compensation claim benefits. Give us a call at (916) 269-9100 to speak with a Sacramento workers compensation attorney today.

Medical Care After a Work Injury

Doctors in the workers’ compensation system are required to provide medical treatment that has been proven to be effective in treating whatever specific injury or illness the individual is suffering from. There are specific guidelines that specify the exact treatments are effective for particular injuries and illness. These guidelines also go over how often these treatment should be given, how long treatment should last, and the extent or intensity of the treatment, as well as other aspects of treatment. This means there are limits to certain treatments, such as chiropractic therapy, physical therapy, occupational therapy, etc.

Because there are so many details and various circumstances in which an employee can get injured on the job, it’s best to seek legal advice from a Sacramento workers compensation attorney at the Law Office of Roy Yang to ensure you’re getting the compensation you truly deserve.

Temporary Disability Benefits Through Workers’ Compensation

Temporary disability is when a person’s illness or injury temporarily makes them unable to do their usual job. Benefits are paid to this individual through workers’ compensation, depending on whether the individual can work part or none of their usual hours. Temporary disability payments are typically about 67% of the pre-tax wages, tips, food, lodging, overtime, bonuses, etc. that the employee usually enjoys. There is a maximum amount set annually for what one person may receive each week.

Temporary disability payments begin when your doctor determines you cannot return to work as usual for three or more days or if you are hospitalized overnight. The payments are given out every two weeks and typically stop when you return to work or when you are released back to work by your doctor. After 2004, temporary disability payments were limited to 104 weeks.

Permanent Disability Benefits Through Workers’ Compensation

Permanent disability is when a worker has any lasting disability which decreases his or her earning capacity after medical treatment has completed. Individuals whose illness or injury resulted in permanent disability are entitled to benefits, even if they return to work. These benefits may not cover all lost income.

Your physician will be able to determine if a loss in the ability to work is due to an injury or illness and whether any more recovery is likely. When the maximal medical improvement is reached, or the illness or injury is permanent and stationary, you are considered to have permanent disability. A report will be sent from the doctor to the claims administrator, describing the loss of earning capacity and whether any other factors contributed to your permanent disability status.

Permanent disability benefits are determined by considering the following:

• The disability rating
• The date of the injury/illness
• The wages before injury/illness

Seeking Representation in a Workers’ Compensation Claim

No employer wants to pay out workers’ compensation. Some employers don’t even have it! In order to get the payment you deserve by law, it’s very important to have knowledgeable representation of a work comp attorney in Sacramento. This can help you get the full disability payments you deserve!

Contact Sacramento Workers Compensation Attorney

Have you suffered a serious work injury? Contact workers’ compensation attorney at the Law Office of Roy Yang for FREE consultation about your California workers compensation claim benefits. Give us a call at (916) 269-9100 to speak with a Sacramento workers compensation attorney today.