What Benefits Am I Entitled to under Workers’ Compensation?
Employers are required to carry workers’ compensation coverage on their employees in Pennsylvania. This means that if you are injured on the job, you can seek just compensation that covers your reasonable and necessary medical expenses as well as a specific percentage of your lost earnings through a workers’ compensation claim.
It’s important to note, however, that the involved insurance company is financially motivated to keep your settlement low, which makes it in your best interest to work closely with an experienced Reading workers’ compensation attorney at HGSK Injury Lawyers from the start.
Fair Compensation
Workers’ compensation claims generally bypass the matter of negligence. If you were injured while you were on the job, you’re very likely covered. In the process, however, you give up the right to file a personal injury claim against your employer. While your employer is required to carry workers’ compensation on your behalf, they reduce their risk of facing costly and time-consuming personal injury claims.
Compensation for your work-related injuries comes down to several basic categories.
Medical Coverage
If you’re injured in the course of your work, you can seek compensation for each of the following losses in your workers’ comp claim:
- Related medical care from physicians and other healthcare providers, including chiropractors
- Your reasonable and necessary medical and surgical needs
- Hospital treatments, services, and supplies
- Prescription medications and healthcare supplies, including adaptive physical devices
Wage Replacement
For a total disability claim, you are entitled to about two-thirds of your current salary up to the maximum amount allowed by law. Your tax-free payments will continue for the duration of your disability if it lasts at least seven calendar days.
Partial Disability vs. Total Disability Benefits
Whether your workers’ compensation benefits are partial or total will depend on how extensive your injuries are and the degree to which they interfere with your ability to work.
Total Disability Benefits
If your disability qualifies as total, it means that your injuries prohibit you from performing any work tasks. Total disability benefits are paid until you have recovered to the point that you can work without restrictions, you return to your pre-injury employment, or you’re able to perform another available job with no reduction in earnings.
Partial Disability Benefits
A partial disability, on the other hand, means that you aren’t able to work full-time or that you’re unable to perform specific duties on the job. Partial disability benefits address two-thirds of the difference between your prior income and your current pay for returning to work in a limited capacity.
Reach Out to an Experienced Reading Workers’ Compensation Lawyer Today
The savvy Reading workers’ compensation lawyers at HGSK Injury Lawyers dedicate our impressive practice to faithfully advocating for your rights and for your rightful compensation in the face of an accident on the job or work-related illness. Your future is important, so please don’t put off reaching out and contacting us online or calling us at 267-551-8782 to schedule a free consultation and learn more about what we can do to help you today.