The state of Indiana requires most companies to provide workers compensation insurance as a way to financially protect their employees if they get injured on the job. You’re required to file a claim for workers comp after a work-related injury if you hope to get your medical expenses or lost wages covered. This insurance also protects companies from liability claims.
Although there are rare instances when you may sue for a work-related injury, it’s likely that workers comp is your main option for benefits. The workers comp process in Indiana can seem complex when you’ve never gone through it before, but with the help of an Indianapolis workers comp lawyer from Kooi Law, you can feel confident filing your claim and fighting for what you deserve.
When you are injured at work, you must seek medical care from a physician chosen by your company’s insurance provider unless you’re in an emergency. Your company’s workers comp insurance should cover all of your work-related medical expenses until the doctor says that you’ve reached the appropriate standard of care.
While you’re injured, you may need to take a leave of absence from work. Workers comp provides temporary total disability pay during this time, which accounts for the wages you’ve lost from being out of work.
In Indiana, you can receive up to two-thirds of your average weekly wage if you’re injured and off work for more than seven days. You should be able to receive these wages until the doctor has fully treated you for your injuries.
If your injury becomes permanent and you need your workers comp benefits extended, you can petition to the State Board of Indiana and have your temporary total disability pay continued for up to 500 weeks. The Second Injury Fund may then allow you to extend the benefits in increments of 150 weeks after the 500-week period has ended.
If you have trouble extending your temporary total disability pay, you can apply for social security disability benefits. The state reserves disability benefits for individuals that are unable to work because of their illnesses or permanent injuries.
There are many cases when you may experience a permanent injury that still allows you to return to some form of work. Here, you’ll be able to receive a permanent partial impairment settlement (PPI), which is an award for what you’ve been through. Although you won’t receive any money for pain or suffering, a PPI will compensate you without placing fault on anyone for your accident.
Getting the workers comp benefits you deserve isn’t always an easy process. Work-related injuries can change the course of your life and when you aren’t able to sue for negligence, it becomes a question of how much your company’s insurance will support you. At Kooi Law, we can be your support system through this hard time and help you obtain the benefits you deserve.
If you’re ready to speak with an Indianapolis workers comp lawyer, call 317-569-1335 or visit our website for more information.
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