If you suffered an on-the-job injury or illness, contact Robert Wilson & Associates immediately. You are entitled to benefits through your employer’s workers’ compensation insurance as long as you meet the policy requirements. Workers’ compensation pays for medical care and replaces a portion of lost wages. It also provides additional benefits depending on the circumstances.
Getting hurt at work can significantly interfere with your life. You might need to take time off to recover. If you don’t have the financial means to afford your medical expenses, you could face debt. Your employer’s workers’ compensation insurer should provide the benefits you need to pay for all necessary medical treatment and replace part of your lost income, so you don’t face economic strain.
Call Robert Wilson & Associates at (612) 334-3444 for a confidential consultation with one of our Bloomington workers’ compensation lawyers to learn more about your options following a workplace accident.
Workers’ Compensation Cases Robert Wilson & Associates Takes
Robert Wilson & Associates can handle workers’ compensation cases involving these scenarios:
- Construction accidents
- Office injury
- Manufacturing accidents
- Spine injury
- Head/brain injury
- Transportation accidents
- Repetitive motion injury
- Toxic substance exposure
Whether you’re applying for benefits or appealing a denied claim, you can count on us to help. We have represented injured and sick workers since 1991. We know how to effectively handle workers’ compensation cases to get our clients the benefits they deserve.
Types of Workers’ Compensation Benefits
You can receive multiple types of benefits when you file a workers’ compensation claim. There’s coverage for your medical treatment, such as physical therapy, surgery, and prescriptions. You can also receive payments to compensate for a percentage of the income you can’t earn due to your work-related injury or illness, and return-to-work assistance.
Payments for lost wages don’t begin until your injury prevents you from losing time from work for three consecutive calendar days. If your disability lasts for longer than ten calendar days, you’ll receive payment from the first date of your injury or illness. Four types of wage-loss benefits are available depending on your level of disability. They include:
Temporary total disability (TTD) – As an injured or sick worker, you can receive TTD payments if you can’t work at all due to your medical condition. Typically, the weekly benefit amount is two-thirds of your gross weekly wage when the injury occurred. TTD benefits last until one of the scenarios below apply:
- You return to work
- You refuse an offer for employment or work consistent with an acceptable rehabilitation plan
- You withdraw from the labor market due to circumstances other than the job-related injury
- You receive 130 weeks of TTD payments
- Your doctor releases you to return to work, but you don’t perform an adequate search for work
- Ninety days have passed since the end of an approved retraining plan or receiving a doctor’s report of reaching maximum medical improvement, whichever comes later
- Additional factors allowing the discontinuation or suspension of workers’ compensation benefits
Temporary partial disability (TPD) – TPD benefits are available to employees who can return to their jobs but make less money than the gross weekly wage they earned prior to the injury. Payments are two-thirds of the difference between your wages when the injury occurred and the earnings you currently make.
Permanent total disability (PTD) – PTD benefits are for workers unable to return to any job due to an injury or disease resulting in:
- Loss of both arms at the shoulder;
- Permanent and total loss of vision in both eyes;
- Complete and permanent paralysis;
- Loss of both legs close to the hips that prevent the use of an artificial member; or
- Permanent and total loss of mental faculties.
The payments are two-thirds of the gross weekly wage at the time of the workplace accident.
Permanent partial disability (PPD) – PPD benefits are for injured workers suffering from a permanent functional loss of use of a specific body part or function based on a PPD schedule. Payment amounts depend on the percentage of disability and additional factors. For example, total vision loss in both eyes is an 85% disability rating.
Dependency benefits – Dependency benefits are also payable to surviving dependents of workers who die due to a job-related injury or illness. Dependents could receive payments under this coverage, including any unpaid PPD benefits. Payment amounts will depend on the deceased employee’s weekly wage when the injury occurred and the number of dependents at the time of their death.
Workers who sustain a job-related injury or illness are entitled to medical benefits through their employer’s workers’ compensation insurance. Medical benefits pay for all necessary and reasonable medical treatment and supplies to relieve or cure the condition. Covered treatment and supplies include:
- Chiropractic care
- Psychological treatment
- Crutches and apparatus
- Podiatric care
Coverage also includes the repair or replacement of the items below that become damaged due to the injury:
- Artificial members
- Artificial teeth
- Hearing aids
Reimbursement for expenses necessary to seek treatment is also available with medical benefits coverage. Expenses can include:
- Copying charges
- Medical reports
- Travel costs
- Attorney fees
Vocational Rehabilitation Benefits
Vocational rehabilitation benefits are for:
- Returning injured employees to a job related to their previous job; or
- Returning injured workers to another type of work that provides a similar economic status they would have received if they didn’t suffer a disability.
Coverage is for a rehabilitation plan for services to aid in seeking gainful employment. Services include:
- Job analysis
- Job placement
- Vocational testing
- Work adjustment
- On-the-job training and retraining
- Vocational evaluation
- Labor-market survey
- Job modification
- Transferable skills analysis
- Job-seeking skills training
- Job development
Robert Wilson & Associates has a team of experienced workers’ compensation lawyers in Bloomington, MN, ready to help you recover the maximum benefits you deserve. We can handle the claims process and communicate with the insurance company on your behalf. If they deny your claim, we have the resources to file an appeal or take your case to court.
If you were injured on the job and can’t return to work or earn your usual income, do not hesitate to contact Robert Wilson & Associates. We can review the circumstances of your injury and determine whether you’re entitled to workers’ compensation benefits. You should receive the payments you need to treat your injury or illness if you were injured while doing your job for your employer.
Call Robert Wilson & Associates at (612) 334-3444 for your confidential consultation with one of our Bloomington workers’ compensation lawyers. You can depend on our dedicated team to protect your rights and fight for the maximum benefits payments available.