You may not know much about workers’ compensation. You may not really understand what workers’ compensation is.

If you live and work in Arizona and have been injured by a fall on the job in Arizona, workers’ compensation may now be something that you are greatly interested in.

What injuries can do

This is especially true if theinjuries that you sustained from being injured by a fall on the job in Arizona were such that they have kept you from working or caused you to lose a large amount of wages. It may even be that your injuries have caused you to become either totally permanently disabled or partially permanently disabled.

You should know that workers’ compensation is administered and enforced by the Industrial Commission of Arizona. Worker’s compensation is a “no fault” system that has been set up in Arizona where workers who have been injured on the job can get compensation and medical benefits. In some cases, you may even be able to get job retraining and permanent compensation benefits.

With few exceptions, all public and private employers in Arizona have to have workers’ compensation. Arizona workers’ compensation laws allow optional coverage for sole-proprietors, partners and domestic servants.

Let your employer know

When you were injured by a fall on the job in Arizona, did you let your employer know about the accident as soon as possible? Did your employer send in an Employer’s Report of Industrial Injury to his insurance company and the Industrial Commission of Arizona within 10 days after you made your employee’s injury report to your employer?

Did you see a doctor as soon as possible after you were injured? One of the good things about workers’ compensation in Arizona is that you are allowed to initially choose the doctor when you have a work-related injury.

Filling out forms

Did you inform your doctor that your injury was work-related? Did your doctor assist you in filling out a Workers’ and Physician’s Report of Injury and mail the form in to the insurance company of your employer and the Industrial Commission of Arizona? Have you filled out a “Workers’ Report of Injury” form and sent it in to the Industrial Commission of Arizona?

This may seem like a lot to do, but these are all steps that have to be taken in order to receive the Arizona workers’ compensation benefits that are rightfully yours. Are you also aware that you have one year from the date of your accident when you were injured by a fall on the job to file your workers’ compensation claim or you lose your chance to obtain workers’ compensation benefits.

An important thing to remember is that your employer’s insurance company is a private company. These private insurance companies are usually most concerned about their stockholders and their bottom line, not you. Because of this, new workers’ compensation claims are often denied.

This is why it is so important to have someone on your side, who is fighting for you. That is what these attorneys do. They will look out for your interests and help you to obtain all of the Arizona workers’ compensation benefits that are due you.

Related articles

• Injured While Working in New Mexico (usworkerscomp.com)
• Injured in a Fall at Work in Oklahoma (usworkerscomp.com)
• Injured by a Machine and Receiving Workers’ Compensation (usworkerscomp.com)

Georgia workers’ compensation or workman’s compensation is provided to Georgia employees who are injured while performing their job or who have contracted an occupational illness. Georgia workers’ compensation program is managed and administered by Georgia’s State Board of Workers’ Compensation (SBWC).

The goal of the SBWC is “to provide superior access to the Georgia Workers’ Compensation program for injured workers and employers in a manner that is sensitive, responsive, and effective and to insure efficient processing and swift, fair resolution of claims, while encouraging workplace safety and return to work”.

Workers’ compensation or workers comp is a mandatory insurance policy that certain employers in the state of Georgia are required to purchase to protect their employees who are injured in a Georgia work injury. Mandatory workers’ compensation has eliminated the rights of most injured employees to file a personal injury claim and sue their employer. The trade-off for the worker, who may have forfeited a larger payout, is immediate medical benefits and potential wage loss compensation without the need for a costly legal battle.

Work Injuries covered by Georgia Workers’ Compensation

Work injuries are generally covered if they occur while an employee is performing a job duty. Work injuries which were the result of an employee’s horseplay, intoxication, failure to follow company policies or which were intentionally self-inflicted may not be covered.

Common work injuries which should be covered under Georgia’s Work compensation laws include:

• Neck injuries                             Back injuries
• Carpal Tunnel                            Concussions
• Heart attacks on the job             Strokes on the job
• Amputations                             Injuries from inhaling toxic chemicals
• Closed head injuries                  Paralysis
• Burns                                        Spinal cord injuries
• Abrasions                                 Electrocution
• Puncture wounds                       Post Traumatic Stress Disorder (PTSD)

Georgia Workers Compensation Benefits

• Medical Benefits

Medical benefits including rehabilitation and other treatments considered reasonable and necessary are covered under Georgia workman’s compensation laws. This can include hospital stays, prescribed medication, doctor’s visits, medical services and laboratory tests. In some cases the non-emergency care services may require approval from a panel of approved physicians. Georgia workers’ comp laws also allow the employee to choose their physician, but the choice must be from a list determined by the employer.

• Temporary Total Disability Benefits (TTD)

Temporary total disability benefits are paid to workers who have been injured on the job and are unable to return to work due to their work injuries. Employees receiving TTD will receive 2/3 of their average weekly wage up to a predetermined maximum. TTD benefits are paid for a maximum of 400 weeks from the date of the work accident. Under some conditions, such as a catastrophic accident, TTD benefits may be extended. There is a 7 day waiting period prior to receiving TTD benefits. Workers who are injured for 21 or more consecutive days may receive payment from the first day of the work injury.

• Temporary Partial Disability Benefits (TPD)

Temporary partial disability benefits are paid to injured workers who are able to return to work but who, due to their work injury, are unable to make a similar wage. TPD benefits are paid at 2/3 the difference between the injured worker’s average weekly wage prior to and after the work injury. TPD benefits can be paid for 350 weeks or up to a maximum established under Georgia workers’ compensation law.

• Permanent Partial Disability (PPD)

Permanent partial disability benefits are paid weekly to injured workers who have been permanently disabled and may be unable to work their previous job, but may be able to do alternate work. Prior to determining the compensation amount, a medical examination is conducted by an independent medical examiner. The disability examiner rates the level of impairment. Disability payments are calculated by using the American Medical Associations ratings guidelines.

PPD payments are made by multiplying 2/3 of the injured worker’s average weekly salary by the PPD percentage and a specified number of weeks. The number of weeks is determined according to a pre-determined schedule. The calculation for PPD benefits is not made until the treating physician has determined the worker has reached their maxim medical improvement.

• Death Benefits

Death benefits are paid to the surviving spouse or dependents of Georgia workers who have died from a work injury or illness. Death benefits are 2/3 of the deceased employee’s average weekly wage at the time of the work injury. Death benefits are paid to the surviving spouse who has does not have children up to $150,000 maximum. Surviving children may be eligible to receive death benefits until they are 18 years old or longer if they are a full-time student.

• Vocational Rehabilitation Benefits

Vocational rehabilitation benefits may be offered to qualifying injured workers who are unable to return to work due to their physical health condition after a work injury. Georgia vocational rehabilitation may include: job placement, custom job training, job matching, counseling, technological accommodations and resource assistance.

Hiring a Georgia Workers’ Compensation Lawyer

Not all workers will need to hire a Georgia workman’s compensation lawyer, but if the injuries suffered are severe or permanent or the worker and employer have an adversarial relationship, it may be a good idea to seek legal counsel. Many workers’ compensation cases are litigated in Georgia simply because the insurance company wants to pay a low settlement amount and close the case as quickly as possible.

If you feel you have received poor medical treatment, if your Georgia workers’ compensation case has been denied or if you have been severely injured, contact a Georgia workman’s comp attorney.

Charlotte workers who have been injured at work may be eligible to receive medical benefits and lost wage compensation under North Carolinas workers’ compensation. Workers compensation eliminates the need for workers who suffer an injury at work to file a personal injury lawsuit to receive compensation for their work injury. North Carolina employers, without accepting liability or claiming negligence, avoid an expensive protracted lawsuit by paying the injured employee limited monetary benefits.

Not all work injuries are covered by workman’s compensation. Work injuries which are covered must have occurred while the employee was engaged in their regular job duties and while performing them in the required manner. Work injuries which are the result of drug or alcohol intoxication or horseplay are not covered. Work injuries which occur while travelling to and from work or during voluntary, recreational work activities also may not be covered.

There are a variety of work injuries or occupational diseases which are covered by workers comp insurance. Some of the most common are:

• Back and neck injuries
• Abrasions and burns
• Amputations of arms or legs
• Concussions
• Heart attack or strokes on the job
• Carpel Tunnel
• Diseases caused by inhalation of chemicals or other toxins

Charlotte Workers Compensation Benefits

• Medical Benefits – Charlotte workers who sustain an injury at work are entitled to medical benefits. The Charlotte employer is responsible for paying all medical costs which can include: doctor’s bills, surgical costs, medications and rehabilitation services.
• Vocational Rehabilitation Services- If a Charlotte worker sustains an injury at work and is unable to return to their job, they may receive certain types of vocational rehabilitation services which can help them find another job which they can do given their current work capabilities.
• Temporary Total or Temporary Partial Disability Benefits – Temporary total disability payments can be awarded if the injured employee is unable to work at all for a specific period of time. Work injury compensation for total disability payments is 66 2/3% of the workers average weekly earnings. There is a minimum and maximum allowed under North Carolina’s workers compensation law. If an employee is allowed to return to their job, but because of their disability, they are on restricted duty, workers compensation may award temporary partial benefits.
• Permanent or partial disability – If a work injury causes a permanent disability or if the worker loses the function of a specific body part, work injury compensation is paid according to a schedule as outlined by North Carolina’s workers compensation law. If the work injury causes severe disfigurement to the face, head or damage to vital organs the worker may receive additional work injury compensation.
• Death Benefits – Dependents of a Charlotte worker who dies from a work injury or occupational disease may be eligible to receive workman’s compensation for death benefits which equals 66 2/3% of the workers average weekly wage. Benefits are generally paid for 400 weeks, but for spouses (meeting certain requirements) they may be paid until death or remarriage and for minor children they may be paid until the child reaches age 18. Funeral benefits are also allowed up to $2,000.

Do I Need a Charlotte Worker’s Compensation Attorney?

Charlotte workers who suffer an injury at work have the choice of filing their workers compensation claim themselves or hiring a worker comp attorney to help. Unfortunately, Charlotte employers, who may be more focused on company costs and less on the worker’s welfare, will have their own work injury lawyers helping them.

Charlotte workers who have suffered discrimination or harassment due to the work injury or who have been injured by a third party may want to contact a worker’s compensation lawyer.

California workers compensation law is similar to other state’s laws which provide medical benefits and lost wage compensation to California workers who sustain an injury at work while they are performing their normal job function.

Workers compensation or workman’s compensation is an insurance program created to provide immediate relief to employees without the employees having to file a personal injury claim for compensation. In exchange, California workers compensation law limits the amount of money which can be recovered from California employers.

Only work injuries or occupational diseases which are caused from the normal job requirements are covered by workers comp insurance. Work injury compensation is not provided to California workers who are injured while intoxicated, attempting to injure themselves or another employee or who are injured travelling to and from work.

There are a variety of occupational diseases and work injuries which are covered by California’s workers compensation. Some of the most common include:

• Back and neck injuries
• Abrasions and burns
• Amputations of arms or legs
• Concussions
• Heart attack or strokes on the job
• Carpel Tunnel
• Diseases caused by inhalation of chemicals or other toxins

California Worker’s Compensation Benefits

Californian workers comp insurance includes: medical benefits, temporary disability benefits, permanent disability benefits, vocational rehabilitation benefits and death benefits.

• Medical Benefits – California workers who sustain an injury at work are entitled to full medical benefits provided by their employer with no limits to time or money. The employer generally selects the first physician the employee is required to see and after 30 days the employee generally is allowed to choose their own doctor. Additional medical expenses are paid such as doctor’s visits, hospital stays and medications.
• Temporary Disability- California employees who suffer an injury at work are entitled to temporary disability payments which are 2/3 of their lost wage amount. California workers compensation outlines a maximum limit for lost wage compensation.
• Permanent Disability- California workers who suffer an injury at work and are unable to return to work are eligible for permanent disability. California workers who sustain an injury at work and can return to work but due to their work injury they can not make the same wage they could before the work injury, may be eligible for workers compensation benefits. California workers compensation will determine the amount for permanent disability based on a variety of factors including the worker’s age, occupation, work capacity and work injury date.
• Vocational Rehabilitation – California workers who suffer an injury at work and are not able to return to their job may qualify for vocational rehabilitation benefits including job retraining and job placement.
• Death benefits – Dependents of California workers who die from their work injury or occupational disease are entitled to death benefits to compensate them for the deceased worker’s lost wages. Burial expenses are also paid up to an established limit.

Do I Need a California Worker’s Compensation Attorney?

Workers compensation law can vary by state and can be complicated. Many insurance workers comp cases are settled easily and without dispute, but many are denied. Work injury lawyers can help California workers get the compensation they deserve and help fight employers and their worker comp attorneys if they are more concerned with saving money than helping the employee recover from their work injury.

The Massachusetts Workers’ Compensation system ensures Massachusetts employees who sustain an injury at work or suffer from an occupational disease get the medical benefits and lost wage benefits they need.

Worker’s compensation or workman’s compensation eliminates the need for the injured employee to file a personal injury claim and endure an expensive and protracted legal battle for compensation. Instead, the employer, without assuming negligence, provides immediate compensation to the employee and the employee accepts a limited monetary benefit.

Massachusetts workers compensation provides benefits for almost all work injuries which occur within the “normal” course of business. Work injuries not covered by worker comp insurance can include:

• Work injuries caused by rough housing.
• Work injuries caused by intentional employee actions meant to injure themselves or other employees.
• Work injuries caused by alcohol or drug intoxication.
• Work injuries occurring while travelling to or from work.
• Work injuries occurring while engaged in voluntary, recreational activities at work.

Massachusetts workers compensation law provides worker compensation for a variety of work injuries and occupational diseases including:

• Back and neck injuries
• Abrasions and burns
• Amputations of arms or legs
• Concussions
• Heart attack or strokes on the job
• Carpel Tunnel
• Diseases caused by inhalation of chemicals or other toxins

Massachusetts Workers Compensation Benefits

• Medical Benefits – All necessary and reasonable medical benefits are provided for Massachusetts workers who are injured at work. Benefits can include: hospital stays, surgeries, physical therapy, doctor’s visits and medication. The Massachusetts Department of Labor maintains a list of approved doctors for the employee to select from, but the first doctor’s visit must be approved by the employer.
• Temporary Total Disability – Temporary total disability is given to Massachusetts workers who sustain an injury at work and can not return to their job. The first five days are not compensated unless the worker misses 21 calendar days. Temporary total disability is 60% of the worker’s average weekly wage. Massachusetts workers compensation law outlines a maximum amount allowed. Temporary total disability benefits are paid up to 156 days beginning on the 6^th day of incapacitation.
• Permanent Partial Disability – Massachusetts workers who have reached their maximum medical improvement but have residual injuries or loss of body function can receive permanent partial disability benefits. The amount paid and duration of payment can depend on the severity of the disability.
• Permanent Total Disability – Massachusetts workers who sustain an injury at work and have exhausted their temporary total disability benefits can apply for permanent total disability benefits. Work injury benefits for employees who have sustained a work injury which is so severe that they are unable to return to work are 2/3 of their average weekly wage (subject to a maximum). Benefits can be paid until the worker reaches 65 years of age.
• Vocational Rehabilitation – Massachusetts workers who have sustain an injury and can not return to their job can receive vocational rehabilitation training which can help them find new employment. Vocational training can include:  job counseling, testing, retraining and job placement.
• Death Benefits – Surviving beneficiaries of a Massachusetts worker who dies from a work injury or occupational illness can receive funeral expenses up to $3,000 and death benefits which are 2/3 of the deceased workers average weekly wage. The spouse can be paid until they are remarried.

Do I Need a Massachusetts Worker’s Compensation Attorney?

Worker’s compensation lawyers can help Massachusetts employees who sustain an injury at work file their work compensation claim. Worker’s compensation laws can be complicated and it may be a good idea to have a work injury lawyer helping the employee fight for the compensation they are due.

Florida workers who sustain an injury at work while engaged in their normal job duties may be able to receive worker’s compensation. Florida’s workers compensation or workman’s compensation is a no-fault set of laws which provides medical benefits and lost wage compensation to injured employees.  Florida workers can receive work comp insurance without filing a personal injury claim in court and proving their employer was negligent for their work injury. In exchange for immediate benefits, the employee accepts a limited monetary benefit from their employee which may be less than they could have won in court.

Workers comp insurance covers a variety of work injuries and occupational illnesses. Most Florida employers are required to provide work injury compensation to employees who sustain a variety of work injuries including:

• Back and neck injuries
• Abrasions and burns
• Amputations of arms or legs
• Concussions
• Heart attack or strokes on the job
• Carpel Tunnel
• Diseases caused by inhalation of chemicals or other toxins

Workers comp insurance does not cover all injuries which occur at work. Employees who are injured while intoxicated, rough housing, engaged in a voluntary, recreational activity or travelling to and from work may not receive work injury compensation.

Florida Workers Compensation Benefits

Florida worker’s compensation provides a variety of immediate benefits to Florida workers who suffer an injury at work. Work injury compensation can include: medical benefits, temporary total disability benefits, temporary partial disability benefits, vocational rehabilitation and death benefits to surviving spouses and children.

• Medical Benefits – Florida worker’s compensation benefits include all reasonable and necessary medical care for a work injury. Doctor’s visits, hospital stays, medical screenings, laboratory services and medications are all covered by workman’s comp insurance.
• Temporary Total Disability Benefits – Florida workers who suffer a work injury and are unable to work can receive temporary total disability benefits which are 2/3 of their regular wage. Benefits do not begin until 7 days of missed employment. If the work injury last more than 21 days the first seven days are paid.
• Permanent Partial Disability Benefits – Florida workers who suffer an injury at work and are able to return to work but due to their residual disabilities can not make 80% of their previous wage amount may be eligible for permanent partial disability benefits.
• Permanent Total Disability Benefits – Florida workers who sustain an injury at work and can not return to any type of employment may be eligible for permanent total disability benefits.
• Death Benefits – Surviving beneficiaries of Florida workers who die within one year after their work injury or 5 years of being continually disabled from their work injury or occupational illness may receive $150,000 in work injury compensation. Burial benefits are also allowed up to $7500 through Florida’s workers comp insurance.
• Vocational Rehabilitation Assistance – Florida workers who suffer an injury at work and due to their work injury are unable to continue in their current employment may receive vocational rehabilitation services to help them re-enter the workforce.

Do I Need a Florida Worker’s Compensation Attorney?

Florida workers can file their own workers compensation claim or they can hire a worker’s compensation lawyer to help. Florida employers and their adjusters will always have their own work injury attorneys working for them. Work comp attorneys can help employees make sure their work compensation claim is filed correctly and they receive all the wage benefits and medical care they need to return to work.

Work injury lawyers should be contacted if the work injury was caused by a third party or if the Florida employee is the victim of workplace discrimination, harassment or has been demoted or fired because of the work injury.

New Mexico Worker’s Compensation Administration regulates workers compensation between employers and injured employee’s. Workers compensation was created as a no-fault insurance policy to protect injured workers who suffer an injury at work. Workman’s compensation was created to eliminate the need for expensive tort litigation.

Workman’s comp provides medical benefits and wage compensation to injured employees without the employee having to prove their work injury was the result of their employer’s negligence, but in return, the worker forfeits some of the monetary compensation they may have received if they had won a personal injury lawsuit.

Worker’s compensation or workman’s compensation is only paid to workers who suffer a work injury while they are performing their normal job functions. Work injuries which are caused by an employee’s intentional actions or from drug or alcohol intoxication may not be covered. Work injuries which may be covered by work injury compensation can include:

• Back and neck injuries
• Abrasions and burns
• Amputations of arms or legs
• Concussions
• Heart attack or strokes on the job
• Carpel Tunnel
• Diseases caused by inhalation of chemicals or other toxins

Albuquerque Worker’s Compensation Benefits

Almost all New Mexico employers are required by workers compensation law to carry workers comp insurance for their employees. Workman’s compensation provides several work injury compensation benefits to workers who suffer an injury at work.

• Medical benefits – Albuquerque work compensation insurance pays 100% of authorized medical costs for work injuries or occupational diseases. Medical services which are covered may include: hospital stays, doctor’s services, medications and laboratory services. Medical benefits are offered to the employee without monetary or time limits.
• Temporary Total Disability Benefits – Workers compensation temporary total disability are paid to workers who sustain an injury at work, and the amount paid is based on a percentage of the injured worker’s wage. Disability payments can continue for the duration of the disability.
• Permanent Partial Disability – New Mexico workers comp benefits allow for permanent disability payments to be made for 500- 700 weeks. The payment amount is based on a percentage of the worker’s wage. Additional benefits may be paid to employees if their work injury causes a permanent disfigurement.
• Vocational Rehabilitation Benefits – Workers who sustain an injury at work and are unable to return to their current job may be eligible for vocational rehabilitation services.
• Death Benefits – Death benefits may be paid to the deceased worker’s spouse and/or children. The amount of work injury compensation paid to dependents will be based on the deceased employee’s wages subject to a maximum. Benefits are also paid to cover burial expenses.

Do I Need an Albuquerque Worker’s Compensation Attorney?

Albuquerque workers who are disabled from a work injury do not have to hire a work injury attorney to help them file their work compensation claim, but employers will have their own workers compensation attorneys working for them and unfortunately, in efforts to save costs, they may not always have the best interest of their employees in mind.

Albuquerque work comp lawyers can also help an injured employee if their work compensation is denied, if the work injury is caused by a defective third party product or if the employee has been the victim of workplace discrimination or harassment.