Dealing with a workplace injury can be overwhelming. Beyond medical bills piling up, you might also face the challenge of not being able to return to work and earn an income. Workers’ compensation insurance exists to provide financial relief for employees injured or sickened on the job. This state-mandated program is designed to support workers while protecting employers from liability. Below, we’ll break down the various types of workers’ compensation insurance and how the attorneys at E&L, LLP can help you secure the benefits you’re entitled to.
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Frequently Asked Questions
What Are the Types of Workers’ Compensation Insurance?
Workers’ compensation benefits generally fall into four main categories, though specific laws and requirements can vary by state:
- Medical Coverage
Workers’ compensation insurance covers the cost of medical treatment for work-related injuries or illnesses, which may include:- Doctor visits
- Prescription medications
- Hospital stays
- Emergency care
- Physical and occupational therapy
- Disability Benefits
If your injury or illness prevents you from performing your job, you may be eligible for partial wage replacement. Disability benefits are divided into:- Temporary Partial Disability (TPD): You’re partially disabled and can work part-time during recovery.
- Temporary Total Disability (TTD): You’re entirely unable to work for a limited time but expected to recover.
- Permanent Partial Disability (PPD): You can return to work but not at full capacity.
- Permanent Total Disability (PTD): You’re permanently unable to return to your job or perform any work.
- Rehabilitation Benefits
If your injury or illness prevents you from returning to your previous role, workers’ compensation may provide vocational rehabilitation. This includes:- Job training
- Career counseling
- Support for learning a new skill or trade
- Death Benefits
In cases where a worker dies due to a workplace accident or illness, financial benefits may be provided to the victim’s dependents. This typically includes:- Funeral and burial expenses
- Income replacement for the spouse and minor children
CALL OUR ATTORNEYS FOR A FREE NO-OBLIGATION CONSULTATION
(213) 213-0000
How Can a Workers’ Compensation Attorney Help?
While workers’ compensation is designed to protect employees, legitimate claims are sometimes wrongfully denied. Insurance companies and employers may try to reduce or delay your benefits. That’s where a skilled workers’ compensation attorney comes in. At E&L, LLP, we guide you through the entire process to ensure your rights are protected. Our attorneys will:
- Communicate and negotiate directly with the insurance company
- Collect and present medical evidence to support your claim
- Negotiate a favorable settlement
- Represent you at hearings or appeals
- Help you file an appeal if your claim is denied
Talk to an Experienced Workers’ Compensation Lawyer
If you’ve been injured or become ill due to a work-related incident, you deserve the full benefits owed to you under the law. However, navigating the claims process alone can be daunting, especially when facing resistance from your employer or their insurance provider.
At E&L, LLP, our experienced workers’ compensation attorneys are dedicated to fighting for the rights of injured workers. We’ll work tirelessly to help you recover compensation for your medical expenses, lost wages, and more.
CALL OUR ATTORNEYS FOR A FREE NO-OBLIGATION CONSULTATION
(213) 213-0000
WE DO NOT GET PAID UNTIL YOU GET PAID. THAT IS OUR GUARANTEE.
