What Benefits Are Available for Injured Or Sick Workers?

November 17, 2021 | 6:00 am


California adopted workers’ compensation laws to help and protect workers if they become ill or injured as a direct result of their jobs. But many people don’t realize the different benefits available to them today.

Chain | Cohn | Stiles work injury lawyer Beatriz Trejo highlights in a new video the five basic benefits available to injured workers. These five benefits are spelled out below.

But first, it’s important to note that workers’ comp. is based on a no-fault system, which means that an injured or ill employee does not need to prove that the injury or illness was someone else’s fault in order to receive workers’ compensation benefits. And employers in California are required by law to pay for workers’ compensation benefits.

For more detailed information, please see the “Workers’ Compensation in California” guidebook, which is meant to help workers with job injuries understand their basic legal rights, the steps to take to request workers’ compensation benefits, and where to seek further information and help if necessary. And if you believe you have a case, please contact the work injury lawyers at Chain | Cohn | Stiles for a free consultation.

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1) Temporary Disability

Temporary disability benefits are payments you get if you lose wages because your injury prevents you from doing your usual job while recovering. It pays two-thirds of your pre-tax wages you lose while you are recovering from a job injury. These payments begin when your doctor says you can’t do your usual work for more than three days or you get hospitalized overnight. Generally, temporary disability stops when you return to work, or when the doctor releases you for work, or says your injury has improved as much as it’s going to. If you can do some work while recovering and your employer offers you this type of work, you can receive temporary partial disability payments if your wages while recovering are below a maximum limit set by law.

 

2) Medical Treatment

California workers’ compensation law requires claims administrators to authorize and pay for medical care that is reasonably required to cure or relieve the effects of the injury. The doctors who treat you must follow treatment guidelines referred to as the medical treatment utilization schedule. If it’s an emergency, your employer must make sure that you have access to emergency treatment right away. For non-emergency care, the claims administrator is required to authorize treatment within one working day after you file a claim form. While investigating your claim, he or she must authorize necessary treatment up to $10,000

 

3) Permanent Disability

Most workers recover from their job injuries, but some workers continue to have health problems. If your treating doctor says you will never recover completely or will always be limited in the work you can do, you may have a permanent disability, and this means that you may be eligible for permanent disability benefits. And you don’t have to lose your job to be eligible for these benefits. When you reach a point where your medical condition is not improving and not getting worse, your condition is called “permanent and stationary”. This is referred to as the point in time when you have reached maximal medical improvement. Click here to learn more about “P&S”.

 

4) Job Displacement Voucher

A claims administrator must offer you a supplemental job displacement benefit if your injury causes permanent partial disability, or your employer does not offer you regular, modified, or alternative work within 60 days after the claims administrator receives a voucher report. A supplemental job displacement benefit is a voucher that promises to help pay for educational retraining or skill enhancement, or both, at eligible schools. You can use the voucher to pay for tuition, fees, books, tools, or other expenses required by the school for retraining or skill enhancement, and for licensing or professional certification fees, related examination fees, and examination preparation course fees. Up to $600 of the voucher money may be used to pay for services of a licensed placement agency, a vocational or return-to-work counselor (a person who helps injured workers develop their goals and plans for returning to work), and resume preparation. Up to $1,000 may be used to purchase computer equipment. Up to $500 of the voucher money may be used upon request for miscellaneous expenses without receipts or other documentation. Learn more about the voucher system here.

 

5) Death Benefits

Death benefits are payments to a spouse, children or other dependents if an employee dies from a work-related injury or illness. This includes burial expenses. The amount of the death benefit depends on the number of total and/or partial dependents. In the case of one or more totally dependent minors, death benefits will continue until youngest minor’s 18th birthday. Learn more about death benefits, including amount limits, by clicking here.

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The Reasons You Should Contact An Attorney If You’ve Been Injured On The Job

June 23, 2021 | 6:00 am


You get hurt on the job: What should you do, and when should you contact an attorney?

Chain | Cohn | Stiles work injury attorney Jim Yoro explains in a new video (below) four reasons when it’s important to contact a lawyer after you’ve been injured at work. We also share some bonus reasons you may want to contact a workers’ compensation attorney after being injured on the job.

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Hiring an attorney to handle your work injury claim costs nothing up front, and it gives you the best chance to receive a fair settlement or award for your injuries. But how do you know you actually need an attorney? Here are four reasons when it’s important to contact a lawyer after you’ve been injured at work:

1) If you think your employer has not filed a claim with their insurance company, you should contact a work injury lawyer. The worker’s compensation system in California has specific requirements that California employers and insurance companies must comply with when providing benefits to injured workers, and your employer is required to report your injury to its workers’ compensation insurance company. The employer must also give the injured employee a Workers’ Compensation Claim Form (DWC-1) to complete. If your employer refuses to report an injury, that is a red flag. They may be worried about safety violations, not having the right insurance, or a other potential issues.

2) If you expect to be out of work due to your injury, you should contact a work injury attorney. If you suffer permanent disability, either partial or total, that will prevent you from ever fully returning to work, insurance companies are more likely to contest such claims because they are the most expensive. Furthermore, if you have been released to work, but you can only do modified or alternative work, and your employer does not provide you a position that meets your restrictions, you may be entitled to additional benefits to help you get back to work. These benefits are called “supplemental job displacement benefits.” They are designed to help you get some training so you can go into a different line of work. If your employer cannot permanently accommodate your new restrictions, then you may be entitled to receive a retraining voucher. If your employers insurance company is refusing to provide you this voucher or has provided work that does not meet your restrictions or seems unreasonable, it is time to call in a workers’ compensation lawyer.

3) If you’re going to need medical treatment, you should contact an attorney. Your medical issues can prevent you from returning to your job, limit what you can do at work, or keep you from performing any work at all. If you’ve suffered permanent disability — whether partial or total — you may be entitled to payments to make up for your lost wages. These cases can be very expensive for insurance companies, and they’ll often stop at nothing to avoid paying you what you deserve. A knowledgeable workers’ compensation attorney is essential in cases involving permanent injuries or illness.

4) If your employer or their insurance company seems unwilling to help you after an accident or injury at work, you should contact a work accident lawyer. You are entitled to medical care, lost wages, job training, and other benefits under California law if you are hurt on the job. It is supposed to be that straightforward. The most common reason employers deny a claim for benefits is because they do not think an employee was actually hurt at work or that an injury was not caused by something work-related. Employers and workers’ comp insurers also routinely reject legit claims, confident that many workers will fail to appeal.

 

On the other end, you may NOT need to contact a work injury lawyer if your employer and their insurance company if after you report your injury, the insurance company promptly contact you and starts providing you with benefits you’re entitled to receive under California law.

“If at any point, things start looking different, such as the insurance company is not paying you on time, you’re not getting the medical treatment requested, or there is a problem with getting a release to go back to work, that’s when would be a good idea to contact a lawyer,” says Yoro.

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Besides the above, here are a few other reasons you may want to contact an attorney after being injured on the job:

  • You were injured because of a third party‘s actions or your employer’s serious negligence. The workers’ comp system was designed to prevent civil lawsuits for work-related injuries. However, you are permitted to sue outside workers’ comp in certain situations, including when someone other than your employer contributed to your injury (such as a negligent driver who hit you while you were driving for work), your employer doesn’t have workers’ comp insurance, or your employer intentionally caused your injury. An experienced lawyer will be able to explain how the law applies to your situation.
  • If you plan to apply for Social Security Disability benefits, and if your settlement isn’t structured properly, your workers’ comp benefits could significantly lower Social Security disability payments. An experienced attorney will understand how to draft your settlement agreement to minimize or eliminate this offset.
  • If you are injured at work or while doing any activity that benefits your employer, and you are considered an employee under California law, then you should be getting workers’ compensation benefits.
  • If your boss retaliates against you for filing a workers’ comp claim, including firing you, demoting you, cutting your hours, reducing your pay, or discriminating, contact an attorney immediately to protect your legal rights. You should never be terminated by your employer just because you were injured on the job or because you have requested workers’ compensation benefits.
  • If you are having trouble communicating with the employer’s doctor, or the doctor does not seem to care about your well-being as much as your family physician might. If you want to make a change in your medical care, a workers’ compensation lawyer can be a great asset. He or she can provide helpful information about who would be the best person to use for your unique health situation and type of injury.
  • If you have permanent disability because of your work injury, your employer or their insurance company may offer to settle your claim. However, this settlement may not account for the full value of your disability. An attorney will be able to tell you about what the average workers’ compensation settlement might be for a case like yours.
  • Your employer’s settlement offer doesn’t cover all your lost wages or medical bills. If you’re not sure a settlement offer is good enough, don’t rely on the workers’ compensation judge to make sure that you’re getting a fair deal. Although workers’ comp settlements must have judicial approval, judges will usually sign off on any agreement as long as it’s not grossly unfair. If you really want someone to get you the best settlement possible, call an attorney.

In all, the average injured worker does not understand the workers’ compensation system. That means that you might not know how much money you are supposed to get after a work injury. Some people may not realize that they are supposed to get benefits at all. Many workers put a lot of trust in their employer or its insurance company and count on them to tell the worker what they should and should not do and how much money they should get. This trust is often misplaced, however.

The accident, injury and workers’ compensation law firm Chain | Cohn | Stiles is home to two lawyers who are state certified as specialists in workers’ compensation law, awarded to legal professionals who have gone beyond the standard licensing requirements. In fact, Chain | Cohn | Stiles is the only plaintiff’s law firm in Kern County that has two attorneys who are state certified as specialists in workers’ compensation. Learn more about Jim Yoro and Beatriz Trejo at chainlaw.com.

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If you or someone you know is injured in an accident at the fault of someone else, or injured on the job no matter whose fault it is, contact the attorneys at Chain | Cohn | Stiles by calling (661) 323-4000, or fill out a free consultation form at chainlaw.com.