Being injured at work is a stressful event. It is difficult to imagine being out of work and incurring medical bills that you cannot afford to pay. In addition, you are struggling to pay your other bills without your normal income. An injured employee deserves to receive certain benefits. To protect workers, lawmakers created Indiana’s workers’ compensation system.
A Standard System of Benefits for Injured Workers
Under Indiana’s workers’ compensation laws, employees who are injured at work can receive medical care and other benefits to assist them as they recover from their injury.
The first step in the workers’ comp claim process is to file a claim with your employer. Immediately notify your employer of the injury and ask to see a physician. Your employer or its insurance provider has the right to choose the doctor to provide your care. If you refuse to submit to an examination or you fail to keep your appointments, you risk losing your workers’ comp benefits. Furthermore, if you fail to follow the doctor’s instructions for your recovery, you risk losing your benefits.
You can go to your own doctor, but you are responsible for the costs unless your employer and its insurer agree to allow you to be treated by the doctor you select. However, you are entitled to receive a second opinion at no cost. When the doctor who is providing, your treatment determines you have reached maximum medical improvement, you have the right to request an independent medical examination.
In addition to receiving medical care for your injuries, you are entitled to receive wage replacement benefits if you are out of work for more than seven days due to your injury. Temporary Total Disability (TTD) is paid based on 2/3 of your average weekly wage. The average weekly wage is calculated based on your wages for the past 52 weeks. Unlike other injury claims, injured workers are not reimbursed in full for lost wages. Furthermore, the law places a maximum on TTD benefits.
Benefits for Permanent Disabilities
Once you reach maximum medical improvement and return to work, your workers’ comp benefits terminate. However, some workers who are injured on the job suffer permanent disabilities. The workers’ comp system provides for the payment of Permanent Partial Impairment (PPI) benefits to workers who will never fully heal from their work injuries. The amount of PPI is based on several criteria including the type of disability and the level of impairment.
Hire an Indiana Workers’ Comp Attorney
The process of filing a workers’ comp claim should be easy for an injured worker. The laws strive to create a uniform system that protects employees who are injured at work. However, some employers and insurance providers don’t always treat injured workers fairly. Insurance companies may try to limit benefits or deny benefits to avoid paying the injured worker.
The best way to ensure you are receiving the workers’ comp benefits you are entitled to receive is to consult and experienced Indiana workers’ comp attorney. Call The Ken Nunn Law Office at 1-800-CALL-KEN or 1-800-225-5536 to request a free legal consultation with an Indiana workers’ comp lawyer. Our representatives are available 24/7 through the Live Chat feature on our website.
Don’t let your employer or its insurance carrier convince you that you don’t need to talk to an attorney. It is always in your best interest to learn about all available options from a trusted, experienced Indiana workers’ comp attorney.