What is Worker's Compensation Benefits?

The three (3) most important benefits that an employee can expect to receive as a result of a work related injury are as follows:

1. Indemnity

Section 34 of the Workers' Compensation Act explains that "While the incapacity for work resulting from the injury is total, the employer shall pay the injured employee a weekly compensation equal to sixty percent (60%) of the difference between his average weekly wage at the time of his injury and his gross weekly wages, earnings, or salary. In the event the employee can either work part time or light duty, he would be entitled to receive compensation benefits equal to sixty percent (60%) of the difference between his average weekly wage at the time of his injury and his gross weekly wages received while either on light duty or part-time work."

2. Medical Benefits

The Workers' Compensation Act states "An employee sustaining a personal injury arising out of and in the course of his employment or is disabled by occupational disease, shall be entitled to reasonable and proper medical, surgical, chiropractic and hospital services, nursing, medicines and mechanical surgical aides as needed paid for by the employer. An injured employee shall have the right to make his/her own selection of a physician or surgeon authorized to practice as such under the laws of the State." Such costs may also include payment for mileage to and from a physician or hospital treatment pertaining to that work related injury.

3. Permanent Impairment

Permanent Impairment means any anatomic or functional abnormality or loss existing after the date of maximum medical improvement which results from the injury. Permanent Impairment is computed utilizing a percentage of disability as provided by the attending physician.
This is an award over and above other compensation benefits and is "not a settlement". Any questions regarding Permanent Impairment should be directed to our service company.