Most of us believe that when we’re injured from a work activity that we’ll get to receive the benefits of workers compensation. That’s what it’s there for, isn’t it? Unfortunately, not all employees qualify for the benefits that come along with workers compensation. Here are a few more things that you may have not known regarding workers compensation.
You Need A Referral to See a Specialist
Regardless of whether or not you know that your condition requires specialized care, first get a workers compensation referral chicago, il for the visit to be covered by your workers compensation benefits. You can’t just call up a specialist and book an appointment. You must first get a referral from either your regular physician or a physician at the emergency room that you saw when the injury occurred. Without a referral, you can find yourself paying out of pocket for your appointment with a specialist.
Previous Conditions Made Worse by Work are Covered
Figuring out what is covered by workers compensation can be confusing at first. However, it’s important to note that just because you had a previous injury, doesn’t mean that injury can’t be covered by workers compensation. If your pre-existing injury was made worse by your work, then your treatment may be covered by workers compensation benefits. Each pre-existing injury case is going to be a bit different than the next. It’s a good idea to speak with a local attorney who is familiar with workers compensation law to determine if you’re eligible for these benefits.
You Don’t Need Authorization for Initial Treatment
While you learned above that seeing a specialist requires a documented referral, it’s important to note that you don’t always need prior authorization. If you’re seeking medical attention for an injury that just happened, you can go to any reasonable medical provider for help. This initial visit will be covered by workers compensation. You don’t need to get authorization before the appointment from your employer or the insurance company.
Benefits Continue Until You’re Able To Work
One of the common problems that people run into with workers compensation is that some insurance providers will try to pay them off for their injury. At the time, a lump sum of money may seem like a great necessity. However, it’s vital to realize that workers compensation benefits will last until you’re able to return to work. There’s no reason to settle for a lump sum payment when you can be assured, you’ll receive monetary assistance for the entirety of the time that you’re unable to physically work.
Workers compensation tends to be a field that not too many individuals are overly familiar with. Many are just stuck with the common assumption that it’s there for when they get hurt at work. By understanding some of the specifics noted above, you can get a better idea of how workers compensation can work for you if you need to use it in the future. Knowing your rights can ensure that you receive the right amount of compensation for your medical bills and injuries.