When you are injured at work, worker’s comp can cover your medical bills and provide compensation for missed work time while you recover. Most injuries are resolved within days or weeks. However, it may take longer to reach maximum medical improvement, and in some cases, it’s not enough to allow them to return to their previous job.
Will you receive worker’s comp benefits forever, or is there a set period?
Temporary versus permanent
After your injury, you will likely begin with temporary disability (TD) payments to replace a portion of your wages while you recover from your illness or injury. TD benefits are typically paid for up to 104 weeks within a 5-year period, if needed. There are some exceptions where a person may receive benefits for up to 240 weeks, such as severe burns or amputations.
If you are permanently impaired or have function loss, you may be eligible for permanent disability (PD) benefits. These benefits are set by law and are based on your impairment level, age and occupation. You will be given a disability rating based on how much your injury affects your ability to work. If you are completely disabled, you could be qualified for a lifetime of benefits. In some cases, where you are unable to return to your old job, you could be eligible for a voucher for skills training or education.
There is no set time limit for medical benefits. They will be provided as long as you need treatment for your work related condition. However, your employer or claim administrator can request a utilization review to ensure that ongoing treatment is necessary. There are also limits on certain types of treatments. Workers’ comp will only cover 24 chiropractic appointments, 24 occupational therapy sessions and 24 physical therapy sessions.
It’s vital that you follow the plan of care that the physician prescribed to you. Failure to do so can slow your recovery and may result in the termination of your coverage. If you’re having problems getting benefits, it’s essential that you contact someone who can assist you in getting what you’re entitled to.
