Costs Covered By Workers’ Compensation Insurance

What are the costs Covered By Workers’ Compensation?

So what are the costs covered by workers’ compensation insurance?

Getting up and going to work daily is something you do every day.

You work your butt off to pay the bills.

You work your butt off to pay for things your family needs.

But, when you get hurt at work, the insurance company tries to jack you around.

Getting hurt at work is very common.

On average, an American worker is injured on the job every seven seconds.

Filing an accident report with your employer should be your top concern after being injured on the job.
The workers’ compensation policy your employer has SHOULD pay for a number of things while you recover
from your injuries. BUT, most insurance companies will jack you around instead of doing the right thing.

Here are some things you need to know about the costs covered by workers’
compensation insurance.

Costs Covered By Workers’ Compensation Insurance – Covers Your Medical Bills

When you get hurt at work, you can have very serious injuries. These injuries will
have to be treated by FAIR medical professionals. CAUTION!!!! DO NOT just go to the doctor the insurance company tells you to go to!!!

You must get a fair doctor!!!

Of course, the cost of receiving medical care is extremely high in the United States.

If your employer has workers’ compensation insurance, the medical bills you get as a result of your work injury SHOULD be covered.

You MUST make sure when you fill out any forms at the doctor’s office that you write on the form: THIS WAS A WORKERS’ COMPENSATION INJURY.

If you know who the insurance company is, write down the name of the insurance company.

If you know what the claim number is, write down the claim number also.

Of course, if you have any contact information for the insurance company, write that down also.

AGAIN, YOU MUST WRITE DOWN ON ANY FORM THIS WAS A WORKERS’ COMPENSATION INJURY!!!!

I cannot tell you how many times I’ve seen people fail to write this down.

If you fail to do this, it WILL blow up on you later.

It’s like taking a shotgun and blowing your own foot off so make sure you do it.

Costs Covered By Worker’s Compensation – Ongoing Care

If the workplace accident you were involved in causes serious injuries, you might have to get
ongoing treatment. This treatment will generally come in the form of physical therapy. Paying for this
ongoing treatment out of pocket can be extremely expensive.

Don’t let your insurance company jack you around – they MUST pay for this by law.

Luckily, workers’ compensation insurance policies are designed to cover the cost of this ongoing treatment.

BUT, will they pay for what you need? In my experience, most of the time, the answer is “No.”

Common conditions like back problems, traumatic brain injuries and exposure to harmful chemicals can
take a long time to treat. If you are getting push-back from your employer regarding payment for your
ongoing care, then you MIGHT need a lawyer.

I say “MIGHT” because you MIGHT not need a lawyer.

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So what do I see that the insurance companies usually refuse to do?

They refuse to pay for all necessary medical care that your doctor recommends.

Things such as mris, cat scans, etc. are all things the insurance company tries to get out of paying.

Heck, I even had one unfair doctor release my client to return to work when she had 3 broken ribs and torn labrum in her hip.