When you are involved in an accident at work or develop a work-related illness, you should get medical attention. By filing a workers’ compensation claim, your employer’s insurance company may cover your medical care.
Here are four expenses they may cover:
Ambulance costs
If you are seriously injured to the extent of needing an ambulance to get to the hospital, workers’ compensation may cover the ambulance services you received.
Note that the ambulance company may send the bill to you since they may not have collected your workers’ comp details. If this happens, inform your employer, and they will provide them with the adjuster’s information.
Emergency room care
Emergency room (ER) care is usually the first form of treatment covered by the workers’ compensation system, that is, for cases that don’t incur ambulance costs.
Treatment
Workers’ compensation should cover treatment-related expenses, including diagnostic tests and prescriptions.
Further, if your injury or illness requires surgery, your employer’s insurance should cover related costs. These include the procedure, recovery period in the hospital and any nursing care you may need afterward.
Ongoing care
Some medical issues may require ongoing care, such as physical therapy after surgery and continuing treatment for chronic illnesses. Workers’ compensation should cover such expenses.
What if your claim is denied?
Your employer’s insurance company may deny your claim, which can be devastating, as you may need to cover the above-discussed expenses. In such an instance, it may be best to obtain more information about the case to know the moves to make.
With legal guidance, you should make informed decisions regarding filing the initial claim and fighting a denial and, in turn, receive the compensation you deserve.
