As New York’s leading workers compensation doctors we are asked a lot: “ got injured at work. Who pays the medical bills?“
Ideally all employees should be covered by the company’s workers comp’ insurance, but we also know that insurance companies are always looking for ways to cut costs and increase profits. One way they do this is by denying claims.
This means that if you get injured at work, you could end up paying out of pocket for your medical expenses, unless you find an experienced workers comp doctor to prepare your documentation and the right treatment for your work related injuries.
Who Pays the Medical Bills After a Work Injury?
If the company you work for has workers comp’ insurance and you get injured at work, the employer, through the workers compensation insurance provider, should cover the costs of your medical treatment, loss of wages and rehabilitation.
In general, an employer is responsible for maintaining workers’ compensation insurance. A part of this worker’s compensation insurance is for the payment of medical bills.
If you for injured at work and filed your claim, if successful (so the workers comp’ insurance company accepts it as payable), then the company will pay the medical bills on your behalf.
Will Workers Comp Pay My Medical Bills?
It depends. If the company you work for has workers comp’ insurance and you get a successful claim, yes, it will pay for your medical bills. If not, you will have to cover your medical costs from your own health insurance or even out of pocket.
How Much Will Workers Compensation Cover For Medical Expenses?
Generally speaking, the amount of medical benefits available will depend on your state’s law. The most common benefit is called “medical care” which can include everything from physical therapy to surgery.
After a successful workers compensation claim for work related injuries, you can get compensation for:
- permanent partial disablement
- temporary disablement.
- medical care from the injury or illness
- replacement income costs.
In order to have a successful workers comp’ claim, you need the support of an experienced workers comp doctor. Such a doctor will know exactly what treatment plan to provide, the right way to create you medical documentation, for a successful claim and also a well-thought rehab plan to get you back on track as soon as possible.
Can I Get Disability Benefits As A Result Of An On The Job Injury?
If you’re injured at work and become unable to perform some of your regular duties because of an accident, you might qualify for temporary total disability (TTD) benefits from your employer’s insurance company.
If an accident at work leaves you disabled for life, you might qualify for permanent disability benefits to cover for all your lost wages, as a result of your disability.
The best option is to contact our New York workers comp’ doctors, discuss your medical case and see how our team can help you further.
What Is not Covered by Workers Compensation Insurance?
The main categories of people who aren’t usually covered under worker’s comp include: business owners, volunteers (including nonprofit organizations), independent contractors, federal employees etc.
Is There a Time Limit on Making a Workers’ Comp Claim?
Yes!
New York law states that workers have up to 2 years to file a workers compensation claim if they are suffering from a work-related illness or injury.
For occupational hearing loss, you have up to 3 months to report the injury and 90 days to file a workers’ compensation claim.
Make sure you are getting your documentation ready and file on time, in order to qualify for the benefits you deserve.
How Can a New York Workers Comp’ Doctor Help?
Our expert team of NY workers compensation physicians and nurses are here to assist with any type of work related injury.
They will diagnose your condition and advise you on the best course of action to take based on your unique situation. We also prepare the most effective treatment plan, provide rehabilitation services (acupuncture, chiropractic, physical therapy, massage therapy) and help you successfully file your claim.
Read More: How a New York Work Injury Doctor Can Help You after a Work Accident
