Work injuries are a common occurrence, and can happen on construction sites, manufacturing plants and even in office buildings. Workers compensation is a system of insurance that provides for medical treatment and living expenses for workers injured on the job. Most states have different rules for workers comp, but benefits administration software can make it easier to keep track of claims and payments.
What does workers comp cover?
Workplace injuries can take many forms, from slips and falls to strained backs when lifting heavy objects on the job. Construction sites and manufacturing plants, which have heavy machinery and many moving parts, are also high risk sites for workplace injuries. To qualify for a workers comp claim, an injury must be work-related.
In some states, this can be limited to injuries sustained while on the job, while others also permit compensation for problems like stress due to conditions encountered in the workplace. Workers comp covers medical bills and living expenses for workers who have qualifying injuries. Nationwide, the workers compensation system covers around 124 million people.
How to file a claim
If you have suffered a work-related injury, the first step is to make sure that you have all the medical documentation available. You should report the injury as soon as possible to your employer, because there is only a limited time period allowed for reporting. This period varies from state to state and can be as little as 30 days or as much as two years.
Most employers will have some kind of claim processing system as part of their benefits administration software, where injuries can be recorded and the process started. Claim processing systems should also be able to tell you what the state deadline is for reporting and injury, as well as the kinds of benefits available to workers.
Benefits under workers comp
Like the deadlines for reporting an injury, the kinds of benefits available to injured workers also vary from state to state. In general, they will cover some or all of the following:
- Medical bills for treating of the injury or illness
- Temporary or permanent disability benefits to cover loss of wages
- Job displacement training if necessary
Some states have online calculators that can help you calculate your benefits. Your employer may also have some workers comp management software to calculate benefits and fill out a claim. You or your employer can also use claims management software to track your claim and upload supporting documents.
Following up your claim
After your claim has been filed, you will be notified if it has been accepted or denied. If it has been accepted, you can go ahead and set up payments through a claims processing software. Your employer’s benefits administration software should be able to set these up. If your claim has been denied, it can be appealed. Usually you will have just 30 days to file an appeal.
Claims are typically denied for some simple reasons, such as not reporting the injury within the required time period, or the injury was not sustained on the job or is not serious enough to qualify for workers comp. If you are appealing a denial, it’s a good idea to hire a lawyer at this stage.
Workers comp offers compensation for lost wages and payment for medical treatment for injuries sustained on the job. Employers typically manage claims through benefits administration software, which can help process and manage claims.