People who get hurt at work can apply for workers’ compensation benefits. The same is true of those who develop a medical condition or repetitive stress injury because of their job. Regardless of how long you have worked for the company, you can apply for benefits as long as your medical condition has a clear connection to your work.
Workers frequently apply for workers’ compensation when they need medical benefits. Workers’ compensation health coverage in Ohio will pay for 100% of the required care for an employee’s recovery. Using workers’ compensation benefits rather than making a claim against your health insurance policy will mean you don’t have to pay co-pays or meet a deductible to get treatment.
Workers who will miss multiple days or even weeks of work will also need disability benefits. Those hurts so badly they can never return to the job can apply for permanent, total disability benefits. Temporary benefits help those who only miss a few weeks of work. Other workers may need permanent partial disability benefits. What partial disability compensation is available for workers in Ohio?
Benefits for residual damage after recovery
If you won’t completely recover and will have lasting symptoms from your injury or illness, you may be able to receive compensation. If the symptoms impact your ability to work or your earning potential, you could claim a percentage of permanent partial award (%PP). Your lasting symptoms or residual damage could lead to compensation.
For a worker to qualify for such benefits, they will need to undergo an exam by an independent medical professional who does not communicate with the worker’s primary care physician or the doctor overseeing their workers’ compensation care.
Benefits for lost wages after a return to work
You know you can receive wage replacement benefits if you can’t work at all, but did you know you can also receive benefits if your job, position or income changes because of your condition? You can claim working wage loss benefits. These will help reduce the difference between the wages you made before your injury or diagnosis and what you can earn now.
Knowing the different kinds of coverage can help you ask for the workers’ compensation benefits you need when you get hurt at work.