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The true value of workers' compensation: A woman's guide

If you need workers' compensation, you likely have a medical condition that resulted from an accident or exposure to hazards on the job. What value does workers' compensation truly hold? It provides many different types of benefits to you and potentially to your family. Here are some benefits you may want to look into with the help of your attorney.

1. Medical coverage after an injury

Some women don't seek medical help after an injury due to being new employees, but workers' compensation coverage kicks in right away. Even if you're hurt the moment you step onto the property, you have a right to file a claim with the company's workers' compensation insurance.

The first thing that workers' compensation does is cover your medical expenses after an injury. You have the right to see any doctor you want for the first appointment. After that, you may need to talk to your employer or the workers' compensation provider to make sure your doctor is accepted and covered by the agency.

When you seek medical help, tell the provider that you are there for a workplace injury. He or she should have the correct documents ready for you after your appointment, so you can submit them to your employer.

2. Lost wages and reimbursement

The first three days after you get hurt aren't covered by workers' compensation. However, once you miss four days or more of work, those days are. If you miss more than seven days of work, then the first three days you missed now become compensable. You receive pay retroactively for those missed days. It's also important to know when you receive payment. Payments begin within 14 days of the last day you worked. The insurance company pays out by the 14th day by law, so if the pay has not arrived, consider reaching out to find out why there is a delay.

3. Retraining after an accident

After a workplace accident, you may find you are unable to work the same job again. You may struggle with post-traumatic stress or disabilities that make it impossible to return to the same job. Workers' compensation does provide for vocational rehabilitation. To obtain this, you must have a permanent disability or restriction. Vocational rehabilitation helps you with job placement and retraining as necessary, so you can get back to work at a job that fits your current physical and emotional health.

After an injury, you can speak with a legal professional to learn more about the full scope of benefits you're entitled to. With the right help, you can recover and train to get back on the job.

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