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Workers Compensation
Here are some common questions regarding the California Workers
Compensation system. The information contained in this section may
differ depending on state Labor Codes and may not be applicable outside
of California. This page is not intended to provide legal advice. If
you have any questions regarding your injury, or specific rights under
Workers' Compensation, you need to consult an attorney.
What is Workers Compensation
Insurance?
- Insurance employers purchase to cover work place
injuries.
What should you do if you are
injured while at work?
- First notify your employer and request that the
compensation insurance carrier be notified.
- Ask your employer to refer you to a doctor. In
California, the employer can "control" your medical treatment for the
first 30 days. This means that your employer can determine what doctor
you will treat with. After this time has run out, you have the right to
change doctors.
- At the first appointment, tell the doctor exactly how
the injury happened, and all parts of your body that are hurting. Be
sure the doctor documents all your complaints. If a complaint is not
reported to the insurance carrier, it could impact your ability to
recover benefits later on.
- Make sure you keep your doctor appointments. Failure
to do so could affect your right to collect benefits. Also, keep your
employer and the representative from the insurance company updated on
your treatment. Doctors do not always give prompt updates. You do not
want to risk having your benefits suspended.
Are you covered under Workers
Compensation when you are away from your employer's location when the
injury takes place?
- Depending of the facts surrounding the injury, you
may or may not be covered under Workers' Compensation. For instance, if
you are injured while travelling for your employer, you are most likely
covered, whereas if you are injured while on a break, you are most
likely not covered. If you are not sure, you need to consult with an
attorney.
What if you re-injure a part of your
body?
- If you are injured on the job you have the right to
collect benefits. A pre-existing condition will not affect your rights
to obtain medical treatment or disability payments. It may affect your
right to permanent disability and retraining.
What if you or a co-worker caused
the injury?
- Workers Compensation is a no fault system. As long as
you are not filing a fraudulent claim, or have not deliberately caused
the injury, you are entitled to benefits no matter whose actions
caused the injury.
What if the injury was caused by
someone you do not work with, or by a product or machine?
- If a person you do not work with caused the accident,
or the injury was caused by a malfunctioning product or machine, you
are still entitled to Workers' Compensation benefits. In addition, you
may have grounds to recover damages from the other party not covered by
Workers' Compensation. You should consult an attorney if you believe
someone other than a co-worker caused the accident.
- Be sure your attorney knows you have received
compensation benefits, since under California Law you may have to
reimburse your employer for the benefits received under Workers'
Compensation.
- Unlike Workers Compensation, civil lawsuits are fault
based. Depending on the facts surrounding the injury, if you or a
co-worker caused the injury, this fact will reduce your potential
recovery.
What benefits are you entitled to
under Workers' Compensation?
- First, you are entitled to medical care under Workers
Compensation. If the doctor determines that you can no longer work your
current job, you may be entitled to disability payments.
- At some point, the doctor will write a "permanent and
stationary" report, and provide a "rating". You may then be entitled to
permanent disability payments.
- Lastly, if the doctor determines that you can no
longer work at your current job, you may be entitled to rehabilitation,
or training for a new job.
Do you need a lawyer?
- This is a decision you need to make depending on your
situation. If you are satisfied with the treatment you are receiving by
your employer and the doctor, then you may not require counsel.
However, if you have any questions or concerns, you should see an
attorney. Most lawyers will provide a free consultation. You can then
decide whether you require formal representation.
- Remember that attorney fees under California Workers
Compensation laws are set by statute.
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