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Workers Compensation Medical Disability Coverage

Question: What is workers compensation medical disability coverage?

Answer: Workers compensation medical disability coverage is part of the compensation package that employers provide for employees under your state's workers compensation law.

Under this insurance coverage, which is provided by the employer, employees are intitled to receive any medical treatment that is deemed necessary and reasonable by his or her physician.

Under workers compensation insurance, a disability can fall under either temporary or permenant status.

Question: What is considered a temporary disability?

Answer: An employee, who is not able to return to work within at least three days following his injury or illness, is intitled to temporary disability benefits. Temporary benefits are given to help replace wage loss that occured during this time.

Question: Who makes the decision concerning a disability claim?

Answer: If the employee is unable to work because of an on the job injury or illness, a physician must verify the employee's injury or illness before he is eligible to receive compensation for the days of missed work.

Question: How are disability payments awarded?

Answer: Disability payments are structured to replace at least two thirds of an employes normal wages and are paid every two weeks until the employee returns to work.

Question: What happens if an employee can't return to work due to his disability?

Answer: If the employee is unable to return to work in a specified period of time due to permanent impairment, then he may become eligible for permanent disability status..

Question: Who determines if a disability is temporary or permanent.

Answer: Permanent disability for an employee is made by either the employees treating physician, a Qualified Medical Evaluator, or an Agreed Medical Examiner.

Question: How long can an employee collect permanent disability?

Answer: There are laws that limit disability payments to a maximum of two years but for some injuries, depending on how severe they are, the maximum limit can be increased to four years.

There are guidelines put in place by each individual state. Each state regulates it's own laws and codes to prevent fraud and criminal violations.

Note: As with all insurances, you should read and understand what is printed in the policy as far as coverage is concerned.


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