Workers Compensation Benefits are paid if a
worker is injured on the job. In today's society, "on the job"
can mean any activity that is job-related. The accident need not
occur on the employer's premises, but can also include injuries
while traveling or at a company social function. It is important
to make certain that the accident is reported to your employer
and that your employer provides workers' compensation benefits.
Many workers and their families are told by
the employers to apply for group insurance benefits, when you
really should be covered by workers' compensation. Group
benefits, which are also called "sickness", or "accident"
benefits are disability benefits. But if the injury is work
related, you should apply for workers' compensation benefits.
Workers' Compensation Benefits are superior
to group benefits because: Workers' Compensation Benefits are
not subject to income tax; Depending on the state law, the
disability benefits under the workers' compensation can be paid
for a much longer time than group disability benefits; Workers'
Compensation Benefits are typically paid in a higher amount than
group disability benefits. And, if you are receiving workers'
compensation benefits, and you return to work at a lower rate of
pay due to your injury,
in many states you are entitled to weekly compensation benefits
equal to 2/3 of your pay. Group benefits do not provide for such
Workers' Compensation Benefits, in some
states, pay all of the medical expenses with no limitation.
Medical payments under BC/BS, HMO or similar coverage, are
limited. This means that under group benefits coverage, you have
to pay those medical expenses, which are not covered by the
health care insurer.
If you are injured on the job and are not
awarded Workers' Compensation, you need to contact a lawyer
immediately and file for Workers' Compensation.
now and let us get you the justice you deserve!
Boulevard, Sherman Oaks, California, 91423, (818) 788-7776