Workers Compensation in Milwaukee, 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 Milwaukee, WI workers’ compensation insurance and how the process works.

Workers Compensation Statistics in Milwaukee, Wisconsin?

The Bureau of Labor Statistics reports that the Wisconsin industry with the most injuries is trade, transportation, and utilities. Manufacturing, mining, and health services also have high injury rates. Although some of the injuries are minor, 50% of reported injuries resulted in missed or restricted work. The Wisconsin Department of Workforce Development reports that Milwaukee has the highest number of work-related injuries in the state. The majority of these injuries are strains, mostly due to lifting. In addition, falls and being struck by objects are common causes of workplace injuries.

How Does Workers Comp Work in Milwaukee, Wisconsin?

Unfortunately, going through the process of applying for workers’ compensation begins when you are sick or suffer an injury 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. 

According to the Wisconsin Department of Workforce Development, all employers are required to carry workers compensation insurance. However, there are some exceptions for casual and agricultural employees. All reasonable and necessary medical expenses are subject to coverage, as well as some travel expenses. If your injury causes you to miss more than 3 days of work, you can be eligible for temporary or permanent disability to cover lost wages. The typical amount is based on 2/3 of your average weekly wage. However, the maximum weekly benefit is $1051.

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 Milwaukee, WI 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 Milwaukee, WI 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 that details the extent of the damage and how it occurs 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 Wisconsin Department of Workforce Development requires Milwaukee employees to report workplace injuries immediately. It is then the employer’s responsibility to file the claim. The statute of limitations for workers compensation claims in Wisconsin can vary, depending on the type of injury.

Timeline and Other Information

After the approval of your claim, the first check typically arrives within 14 days of the injury. Temporary disability compensation is paid until you can return to work, or until your condition has stabilized. Wisconsin does not limit the duration of temporary disability. Typically, permanent disability compensation is based on the type and severity of the disability.

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 Milwaukee, Wisconsin Workers’ Compensation Lawyer

While workers’ compensation claims may be straightforward for some cases in Milwaukee, Wisconsin, in others, it may be more difficult. You employer may ask if you suffer an injury on the clock or your own time. It’s also common for a company to question the full extent of your injury. Hiring a Milwaukee workers’ comp lawyer ensures that you have an advocate to fight for your rights as a victim.

Work With an Experienced Local Lawyer In Milwaukee, Wisconsin

If you are hurt or contract an illness as a result of your job in Milwaukee, WI 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!

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