Types of Workers Compensation Benefits
The benefits from worker’s compensation can include medical benefits, rehabilitation costs, disability and burial or death expenses. If an employee has sustained an injury or become sick through work, they may be eligible for several types of compensation and benefits.
Medical Care & Choice of Doctor:
If an employee has been sidelined by an injury or illness at work, they are entitled to receive compensation through workman’s compensation. This will cover costs needed to identify and treat the injury or illness that is in question. Physician visits, special equipment, medication and surgery may all be included in the medical care benefits. When you are initially injured you have the right to see any doctor for your first visit. After that initial visit, you have the right to choose any BWC certified doctor to treat your injury.
Temporary Total Disability Compensation:
Temporary total (TT) compensation is used to replace lost income sustained as a result of you being temporarily unable to return to your former position of employment. You are not eligible for TT until you miss 8 or more calendar days of work. If you miss 7 days or less you will not receive TT. If you miss 14 days or more you will receive payment for the initial 7 days that you missed. For the first 12 weeks that you are off you will be paid 72% of your full weekly wage (FWW). After the first 12 weeks you will receive 66 2/3 of your average weekly wages (AWW).
If your employer agrees you can receive salary continuation which is wages the employer continues to pay instead of you receiving temporary total disability compensation. This can benefit the employer by preventing them from having a “lost time” claim which can affect that premium rate. It can also benefit the employee if the employer continues the employees benefits while off work.
This is payments made by the BWC in lieu of temporary total when an employee is involved in an approved rehabilitation plan.
If an employee sustains a wage loss as a result of restrictions caused by the injury. There are two different kinds of wage loss. “Working wage loss” which occurs when an employee returns to employment other than his or her former position of employment and “Non-working wage loss” which occurs when an employee is released to work with restrictions but is unable to find a job within those restrictions.
Living Maintenance Wage Loss:
Living maintenance wage loss can be paid if an injured worker has completed a vocational rehabilitation program and has returned to work but experiences a loss in earnings compared to the average wages he or she earned at the time of injury. You must no voluntarily limit your income and you must have documented work restrictions based on the allowed conditions in the claim.
Percentage of Permanent Partial Disability:
Compensation can be awarded if you sustain a permanent impairment of some function of your body due to the allowed conditions in your claim. The American Medical Association has developed guidelines to evaluate injures to determine the percentage of impairment of your body based factors including loss of use, restriction of motion, pain and other factors.
Compensation is payable for loss by amputation, loss of use or ankylosis of specific body parts. This includes loss of vision and total loss of hearing.
Lump Sum Settlement:
An injured worker can apply for a one-time settlement or partial settlement of his or her claim. A partial settlement may be made for medical benefits only or compensation benefits only.
Violation of a Specific Safety Requirement:
Compensation is payable if the injured worker establishes that the employer violated a specific safety requirement (VSSR) established by Ohio law and the violation caused the injury.
Permanent Total Disability:
If you are permanently and totally disabled due to a work-related injury or occupational disease you are eligible for permanent and total disability benefits. You must be unable to do any work, not just the work you were doing at the time you were injured.
When a death occurs as result of a work related injury, the deceased workers dependents may be entitled to benefits.