WEDNESDAY, JANUARY 27, 2021
Since workers compensation is often seen as a way to receive money when you are out of work for an injury, many people believe that you have to be completely unable to work in order to receive workers compensation benefits. This isn’t necessarily true, however.
You can still work while receiving benefits under workers compensation after an injury. So long as you are earning less than 80% of your wages, you should still be able to receive benefits under workers compensation for your workplace injury.
For example many employees may come back to work with limited capabilities after a workplace injury. If this is the case, you should still be able to receive benefits through workers compensation.
How Much Does Workers Compensation Pay?
The amount of compensation you receive depends on the injury and your income. The wage replacement half of workers compensation pays a percentage of your income based on the policy and the severity of your injury. If you are unable to work at all, you may receive almost all of your income through workers compensation.
The medical payments side of workers compensation is calculated based on your injury and medical bills. As your medical bills arise, you will receive compensation based on the bills.
Wage replacement, on the other hand, is paid out at the same times as your regular paycheck. For example, if you are normally paid biweekly, your workers compensation will be paid biweekly, as well.
Can You Be on Workers Compensation and Social Security?
There are some gray areas when it comes to receiving health benefits from multiple sources, but in some cases, you may receive workers compensation and social security disability benefits (SSDI) at the same time.
Where Social Security is a government program for anyone who is disabled, workers compensation is specifically for those who are injured at work. If you are already on Social Security and receiving disability benefits, you may still be able to file a workers compensation claim if you are injured at work.
If you have any questions about how you are covered or what you will receive through workers compensation, be sure to speak with your employer and their insurance provider. Most states require employers to offer workers compensation insurance. If your employer does not offer this insurance in a state that does not require it, you may need to pay for medical expenses out of pocket or seek legal action if applicable.
Always be sure to keep track of details from the incident and follow the requirements as set by your employer’s workers compensation policy to make the claims process quicker and smoother.
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