When you are hurt on the job, the law requires your employer and its insurance company to do certain important things to protect you. First and most importantly, the law requires your employer to pay wages to you while you are unable to work because of your injury.
There are certain rules that you, as the injured worker, are required to follow in order to get paid. First, the law says that you are not entitled to be paid any wages until you are out of work for seven consecutive days. If you are out of work for less than one week, you will not get any reimbursement for the lost wages. Additionally, once you are out of work for more than seven days, it typically takes the insurance company another week to ten days to process your claim to actually get you paid. As such, you should really not expect to be paid any money for two to three weeks after the initial day you are out of work. You need to be diligent in staying in touch with your employer s workers compensation insurance company to make sure that they are processing your claim quickly. There can be many delays in the initial setup of your claim that will slow the payments to you. It requires your full attention to make sure it is done right. Contacting a lawyer to help you with this is strongly advised.
The other important requirement to get you paid is that you have to see a doctor. The law requires you to have a doctor s note finding you unable to work before you will get paid. If a doctor is not saying you are unable to work, you will not get paid. The law further says that for the first ninety days after you are hurt, the doctor you see must be the one chosen by your employer. Thus, when you get hurt, you must ask your employer for their panel list of physicians with whom you can treat. After that ninety days is expired, you can treat with whatever doctors you want.
Finally, once you receive payment, you will notice that it is not as much as your were getting paid before you got hurt. Your workers compensation wages are only a percentage of what you were earning when you got hurt. You wages are calculated by taking your average net wages in the three quarters before you got hurt, and finding your average weekly wage. You then will receive only two-thirds of that average weekly wage as your workers compensation wage. This number will then be how much you get paid for the remainder of time that you are out of work. There are no taxes payable on your workers compensation benefits. Typically, your workers compensation payment ends up very close to your net pay from your employer.