Workers Compensation in Madison, WI
You aren’t alone if you ask “How does workers comp work?” Workers’ compensation is a type of insurance that provides wage and medical benefits to people who have become ill or injured while at work. The extent of workers’ comp coverage an employer is required to carry is governed by Wisconsin state law. Thus, in trying to figure out how workers comp works, it helps to understand the laws on the books in the state where the business operates. If the injury or illness a worker sustains is eligible for compensation, the insurance carrier should help ease the financial burden the illness or injury created on the worker. Learn some of the basic principles of Madison, Wisconsin workers’ compensation insurance and how the process works.
Workers Compensation Statistics in Madison, Wisconsin?
The Wisconsin State Laboratory of Hygiene reports that private employers had 70,400 nonfatal injuries in 2018. As a result, an average of 3.6 out of every 100 workers in the state got hurt at work. These statistics are significant since the U.S. Department of Labor estimates 387,900 full-time workers in Madison. Assuming that roughly the same average applies, around 14,000 of those individuals may need worker’s compensation each year.
How Does Workers Comp Work in Madison, Wisconsin?
Unfortunately, going through the process of applying for workers’ compensation begins with getting sick or injured on the job. The circumstances surrounding the incident that led to your problems are especially crucial. For example, the injury had to occur during your regular work duties. While an event that happens during your lunch break wouldn’t apply, getting into a car accident while running an errand for your boss would qualify for a claim.
The State of Wisconsin makes worker’s compensation mandatory for any organization with 3 or more full-time employees. Some exceptions apply for self-employed individuals living in Madison. The types of injuries covered by the Worker’s Compensation Division include both physical and mental injuries. The benefits provided often involve:
- Out-of-pocket expenses
- Vocational rehabilitation
- ⅔ of your annual salary in weekly payments
- Medical coverage for your work-related illness or injury
For example, say your supervisor asked you to drop something off on your lunch break. While running this errand you then get in a car accident on your way to the destination. Any resulting injury is eligible for workers’ compensation. However, if you are on your lunch break, performing no such task when you get in an accident, it does not qualify for a claim.
The steps you take immediately following a workplace incident in Madison, Wisconsin are critical for purposes of filing a claim for compensation. Follow the following steps to preserve your rights and learn how workers comp works.
Get Medical Attention
After you get injured or feel ill, the first step is to see a doctor. Don’t delay seeking help from a Madison, Wisconsin healthcare professional. This could not only jeopardize your health, but you run the risk of missing time-sensitive deadlines in the workers’ compensation process. Having a proper medical report detailing the extent of the damage and how it occured is the first step in the process. Your employer cannot file a claim with their insurance carrier without this information.
When dealing with a job-related illness, the symptoms and diagnosis may not happen right away. You may find yourself attending regular checkups and testing for weeks or months before a doctor finally associates your illness with your job. Your doctor may make the determination that the illness is either the result of your work conditions or aggravated by them. Once they do, see your human resources representative to file a workers’ compensation claim.
File a First Report of Injury
The first report of an on the job injury or illness will provide the workers’ compensation insurance carrier with the details of the events leading up to the injury. In this report, you will provide your physical injuries, the medical treatment you received and the facilities that provided it. It’s always a good idea to bring a copy of the doctor’s report to submit with the report of injury.
The Department of Workforce Development asks workers to notify their employer immediately after noticing an illness or injury. Delaying this notification can hurt your health or potentially result in a denial of your claim. Afterward, the insurance carrier will work with state authorities to verify the information. If more than 2 years have passed since the qualifying incident, you may not receive reimbursement for lost wages or medical bills.
Timeline and Other Information
After approval, beneficiaries must wait 3 days before they can receive benefits. If a Madison resident needs more than a week to recover, they get compensated for this waiting period. Checks typically go out to recipients after two weeks have passed, and your claim can remain open for up to 6 years. Permanent injuries may mean that you should apply for disability from the state. Receiving approval for this can take some time and legal wrangling. This unfortunate reality may mean that an attorney can be indispensable to this type of application.
Your employer should furnish you with information about the claims process. The adjuster or insurance carrier representative may want to speak to you at some point about the incident and any possible witnesses to the event. In the meantime, the workers’ comp insurer may begin paying medical benefits while the investigation into your claim continues.
Why You Should Hire a Madison, Wisconsin Workers’ Compensation Lawyer
While workers’ compensation claims may be straightforward for some cases in Madison, Wisconsin, in others, it may be more difficult. For example, your employer may decide to question whether you were hurt on the clock or your own time. It’s also common for a company to question the full extent of your injury. Hiring a Madisonworkers’ comp lawyer ensures that you have an advocate to fight for your rights as a victim.
Work With an Experienced Local Lawyer In Madison, Wisconsin
If you are hurt or contract an illness as a result of your job in Madison, Wisconsin you need to find the right people to help. Since the workers’ compensation claims process can have pitfalls, you should consider getting a local attorney who knows how to avoid them.
Submit a request online or call us today at (866) 345-6784 to get in touch with an experienced lawyer in your area!