For injuries that occur at work, you want coverage to help pay your expenses. With the Rome workers’ comp program, you receive a variety of benefits that help pay medical bills as well as lost wages. Virtually every employee qualifies for workers’ comp under the law which is designed to allow you to recover from your injuries sustained from a workplace accident without financial strain.
Does Rome Workers’ Comp Pay Medical Expenses?
The Rome workers’ comp program provides benefits for medical expenses that you incur because of injury on the job. This medical coverage, under workers’ comp, pays for a series of medical treatments that you would need to recover from and treat your injuries. If your medical care is required and necessary, payment occurs through the workers’ comp system.
Medical expenses covered under Rome workers’ comp include doctor visits and follow-ups, prescriptions to treat your injuries, physical therapy, prosthetics, and hospital stays. This medical coverage is paid by your employer’s insurance company as part of the workers’ comp program.
While you do receive coverage for your medical expenses per the law of workers’ compensation in Rome, you must see a doctor that is approved by your employer. Your employer must provide a list of at least six approved doctors that you can seek medical care from for your injuries. They must also make 24/7 medical treatment available to you in case you are hurt after hours or during off-peak office times.
You may want to see your own doctor for treatment of your injuries, but under workers’ comp, it is not allowable. If you see a doctor that is not approved by your employer, they do not have to pay for the medical expenses you incur for treatment of your workplace injuries. These expenses would then become your responsibility and payment is out of your pocket.
Also, under the Rome workers’ comp program, you receive benefits for mileage reimbursement to and from your medical treatments. This can be beneficial in alleviating the costs associated with travel, especially if you have a doctor that is out of the city or state that you are currently residing.
Does Rome Workers’ Comp Pay Lost Wages?
In order to reduce the stress associated with missing work because of the need to recover from injuries sustained in a workplace accident, workers’ comp in Rome pays for lost wages. If you have a temporary partial disability that prevents you from working for a period of time, you will be paid a portion of your wages for lost earnings during your recovery.
Benefits for temporary partial disability pays 2/3 of your average weekly wage at a maximum payout of $575 per week. Payment for this benefit occurs for up to a total of 400 weeks or until you receive medical approval as stated by a doctor to return to work.
If you have injuries that caused you to be disabled permanently to the point that you can no longer work, payments could be for life. The amount you would receive is determined by the extent and severity of your injuries. The State Board of Workers’ Compensation has an award schedule that they follow to pay for injuries that are permanent.
In some instances, you may have an injury that allows you to work, but not in the same capacity as your previous position. In this case, you would be assigned to light-duty work and with payment of a lower wage than your previous salary. Rome workers’ comp would supplement your weekly income by paying 2/3 the difference in your wages to a maximum of $383 for a total of 300 weeks. This payment would continue for the maximum weekly schedule or until you are medically released to go back to your previous job responsibilities.
Rome workers’ comp does provide vocational training and assistance finding a job if you can work but not in your former position. This program assists you in finding new employment and trains you to perform job functions within your disability’s capabilities.
If your doctor releases you to return to work, you must report to your employer upon the release even if it is in a light-duty role. Failure to do so could result in loss of your workers’ compensation benefits.
Does Rome Workers’ Comp Pay Death Benefits?
Under the law, Rome workers’ comp does pay for death benefits should you be killed on the job in an accident. Your spouse, dependents, and stepchildren qualify for your workers’ compensation benefits and will be paid 2/3 your average wage up to a maximum of $230,000. This can help to provide some financial stability for your family due to your death and lost income.
Your family is also entitled to receive $7500 in funeral and burial costs upon your death during a workplace accident. These benefits cannot replace their loss but will provide some solace in helping them to move forward financially secure.
Will A Rome Workers’ Comp Lawyer Help Me?
You can count on a Rome workers’ comp attorney to advise you when filing your injury claim with the State Board of Workers’ Compensation. They will be able to ensure you have filed correctly and within the 30-day time frame. They can also represent you should you receive a denial of your benefit coverage. It is highly recommended that you have a workers’ comp attorney to help you through the process of obtaining workers’ comp benefits to ensure you receive the maximum compensation for your injuries under the law.
Understanding Rome workers’ comp can be made easier by working with an attorney that knows the laws. The lawyers at Bader Law Firm, LLC can assist you in recognizing your legal rights regarding workers’ compensation and help get you the benefits you qualify for under the law. Allow the attorneys at Bader Law Firm, LLC to fight for your legal right to workers’ comp and guide you through the process of filing your injury claim. Contact us today to set up a consultation!