The majority of employees in the United States will be covered by workers compensation in Lansing MI and if you are not, you need to take action now. You never know what may be hiding around the corner and if you are faced with an unexpected, unpleasant surprise, such as an injury in the workplace, your life could change dramatically. Dealing with an injury can be hard because not only will you face the challenge of performing as normal in work but also, you will need to pay for treatment. With workers compensation in Lansing MI you will be able to get a suitable settlement to make life easier. If you are still unsure about workers compensation in Lansing MI, read on.
Monetary Compensation and Wage Replacement
You should feel safe and secure when you are in work but unfortunately, this does not always happen for a lot of people. If you are affected mentally by issues that happen in work or if you are injured and need to recover for months or even years, you will be entitled to workers compensation in Lansing MI. This money will stop you from facing debts and will make it easier to afford medical treatment. Another type of benefit associated with workers compensation is wage replacement. If you slip in work and hurt your back, you may have to stay at home and recover for a couple of months. You will not have to worry about losing wages though, because these will be awarded to you so that you can afford bills, food, etc.
Filing a Claim for Workers Compensation
When you sustain an injury at work you need to file a claim for workers compensation in Lansing MI as quickly as possible. First of all you should contact a reliable lawyer who can support your claim and increase your chances of winning compensation. Next, you should fill out the employee claim form detailing everything, from the time and date to the witnesses and injuries. After this you must simply wait for the claim to be fled.
Your Benefit Entitlements
Once you have filled out the employee claim form you will need to wait to find out if you are entitled to workers compensation in Lansing MI. People with long-term disabilities will be offered a settlement and so will anyone else whose life is altered by an accident at work. Examples of what you may be entitled to receive include medical care, death benefits, total and permanent disability, permanent partial disability (PPD), temporary total disability (TTD) and temporary partial disability (TPD).
Remember that to get coverage from workers compensation in Lansing MI you need to undergo an independent medical examination, also known as an IME. A doctor will perform this examination and the purpose of it is to provide the insurance company with the details they need to generate an accurate quote and offer an appropriate type of policy.