How to File Your Workers’ Comp Claim to Get Temporary Disability Benefits
Most people have heard of workers’ compensation, but don’t know what it is or how it works. Workers’ compensation is an insurance policy provided by your employer. You don’t fill out an application or take any physical exams to be covered, and you don’t need to know anything about it until you need it. That’s when you learn about the process, which can be confusing. The good news is that the experienced workers’ compensation attorneys at Jonathan Perkins Injury Lawyers can provide you with guidance and representation if you need it.
What Does Workers’ Compensation Cover?
Workers’ compensation helps people who’ve been hurt on the job. It pays for medical bills, lost wages, and permanent disabilities from traumatic injuries like a broken bone or cumulative conditions like repetitive stress injuries. It also covers sickness from exposure to dangerous substances or conditions in the workplace. It doesn’t matter who’s at fault for the injury: the only qualifier is that it happens while you’re performing work duties.
How to Get Compensation
No matter what type of damage you’ve suffered, there’s a specific process you need to follow. It starts by notifying your employer. They’ll file an “Employer’s First Report of Injury” with the Workers’ Compensation Commission and their insurer, and send a copy to you. You’re responsible for filling out a form called a “Notice of Claim for Compensation (FORM 30c), which gets filed with the Workers’ Compensation Commission and your employer within a year of the injury or onset of occupational illness.
Your employer has 28 days to either accept or deny your claim or make payments “without prejudice” meaning they haven’t made a final decision but will pay in the meantime. Your employer may not respond, which is interpreted as acceptance.
What are Temporary Disability Payments, and How Do I Get Them?
Once you’ve been seen by a doctor, your benefits cover reasonable and necessary medical treatments and expenses, and you may eligible for temporary disability payments, which replace wages you aren’t earning while you’re recovering. In Connecticut, temporary disability payments are currently 75 percent of your average weekly wages, up to a maximum benefit of $1,287.00.
To make sure you get the benefits you deserve, follow all these steps. If your employer or their insurer denies your claim, you may need representation to make sure that you’re treated fairly. If so, contact the experienced workers’ compensation attorneys at Jonathan Perkins Injury Lawyers. We’re here to help