How Long Does Workers' Compensation Last and What You Should Know About Your Benefits

In 2024, the federal Occupational Safety and Health Administration (OSHA) investigated 826 worker deaths, an 11% reduction from 928 in the previous year. According to the Bureau of Labor Statistics (BLS), private industry employers reported 2.6 million nonfatal workplace injuries and illnesses in 2023.

There are several factors that can contribute to workplace injuries, including equipment malfunction, human error, fall hazards or poor workplace conditions. A workers comp lawyer from Diefer Law Group, P.C. says workers’ compensation covers any injury sustained while at work or while performing your job duties outside of your usual workplace.

In this article, you will learn about the various benefits of workers' compensation and how long they last.

Understanding Workers' Compensation Benefits

Workers' compensation payments are critical in covering the costs associated with the injury.

According to construction site injury attorney Marc S. Wiesner, it is very important to know what kinds of benefits you are eligible for and the procedure to apply for those benefits. If treatment services prevent you from working, you can get much higher benefits.

You may receive income replacement if you cannot work and need treatment. Research workers' compensation to improve your rehabilitation and finances.

Factors Affecting the Duration of Benefits

There are many things that determine the duration of benefits you can get. One of them is the severity of the injury. The more severe injuries take longer in terms of benefit duration.

Aside from your progress in recovery, another important factor that affects benefits is how quickly you reach your rehabilitation goals.

The nature of your injury may influence how long the benefits last. Injuries sustained in the construction industry are typically serious and require lengthy recovery times when compared to other industries.

Every state has different laws and regulations that can impact timeframes of benefits under their provisions. Your desire to return to work in any modified capacity can also influence the duration of your benefits.

Types of Benefits Available

Understanding the benefits for which you qualify may change your way of recovering. Workers' compensation benefits are usually divided into four categories: medical benefits, wage loss benefits, rehabilitation benefits, and permanent disability benefits.

Medical benefits cover treatment for doctor appointments, medications, and therapy.

Wage-loss benefits refers to replacement income that represents a percentage of your regular income. This benefit is provided if you are unable to find work.

Rehabilitation benefits help with retraining for a job or skills enhancement when unable to resume an old occupation.

Permanent disability benefits offer a financial lifeline when suffering from permanent impairments due to an injury.

State-Specific Regulations and Variations

Workers must be familiar with their local state laws regarding workers' compensation, as each state has its own compensation law.

Each state has its own set of rules about how long benefits may last, who can receive them, and how many types are available. Some states, for example, may limit benefits regarding the average weekly wage. Other states impose more rigorous deadlines to file claims.

The various state laws affect what types of injuries workers' compensation covers and how claim appeals are handled. Knowing these differences, you can better understand and utilize your benefits so that you get the help you need.

Always consult your state's workers' compensation board or a legal expert for reliable information based on your specific circumstances.

Navigating the Claims Process for Maximum Support

The various state laws concerning workers’ compensation make the claims process extremely complicated. Informing your employer after sustaining a workplace injury will help guarantee that you get support from your company.

Document everything, including time and dates, and state everything concerning your injury. Obtain medical records and any witness statements related to your injury. These documents will help strengthen your case.

Don't forget to file your claim within the allowable timeframe allowed by your state. Failure to do so may result in you losing your benefits. Regularly follow up with your employer's insurance provider to track the progress of your claims.

Claim denials are normal. If this happens, you can consult a legal practitioner to help you lodge an appeal.

Being organized and proactive will make the claims process easier and provide you with the assistance you deserve.