Workers Compensation in Portland, OR
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 Oregon 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 Portland, OR workers’ compensation insurance and how the process works.
Workers Compensation Statistics in Portland, Oregon?
Out of all the employers in Portland, service providers had the highest rate of work-related illnesses or injuries. Data from 2019 from the U.S. Bureau of Statistics reports 3.7 of every 100 employees in the service needed workers’ compensation for a total of 36,600 cases. It’s sobering to know that represents 62% of all recordable cases for the State of Oregon.
How Does Workers Comp Work in Portland, Oregon?
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.
Oregon law requires all organizations in Portland to carry workers’ compensation insurance. However, around 30 exemptions do exist as outlined by the Oregon Workers’ Compensation Division. Oregon pays the standard ⅔ of your annual salary in weekly installments as reimbursement for lost wages. Your medical bills and associated costs are also covered. In addition to cost coverage, you can possibly take advantage of vocational rehabilitation services.
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 Portland, OR 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 Portland, OR 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.
Let the doctor know if you’ve arrived at his or her office for a work-related illness or injury. After treatment, turn in a Report of Job Injury or Illness from the Oregon Workers’ Compensation Division. The insurer involved with your case has 60 days to either accept or deny your claim from that point. You will receive a Notice of Acceptance with a list of covered medical conditions or a letter of denial.
Timeline and Other Information
The law states that a three-day waiting period applies before payments or other benefits payout to claimants. If the total number of days you’re off work goes past two weeks, you’ll receive reimbursement for the time. The Workers’ Compensation Division even provides a flowchart that will tell you what to expect in the event of challenges and appeals.
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 Portland, Oregon Workers’ Compensation Lawyer
While workers’ compensation claims may be straightforward for some cases in Portland, Oregon, 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 Portland workers’ comp lawyer ensures that you have an advocate to fight for your rights as a victim.
Work With an Experienced Local Lawyer In Portland, Oregon
If you are hurt or contract an illness as a result of your job in Portland, OR 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!