Workers Compensation in Topeka, KS

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 Kansas 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 Topeka, Kansas workers’ compensation insurance and how the process works.

Workers Compensation Statistics in Topeka, Kansas?

The Kansas Department of Labor reports that despite having a much smaller population than other states, the rate of occupational injuries is much higher than the national average. When examining non-fatal workplace injuries, the rate of injury is even greater. While several states have a higher rate of injury in manufacturing sectors, due to dangerous equipment and transportation accidents, the bulk of injuries in Kansas occur in the service sector. Over 20% of the workplace injuries in Kansas can be attributed to falls.

How Does Workers Comp Work in Topeka, Kansas?

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. 

Most employers with a payroll exceeding $20,000 must carry workers compensation insurance for all employees, according to the Workers Compensation Laws of Kansas. The exceptions to this law include sole proprietorships, partnerships in an LLC,  and certain farm workers. In addition, mental health claims are only covered in Topeka if you can prove your mental problems stem directly from the physical injury you sustained at work.

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 Topeka, Kansas 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 Topeka, Kansas 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.

Quickly filing after a workplace incident is incredibly important if you desire to receive the full range of benefits. If you suffer an injury or develop symptoms of a work-related illness you should notify your employer immediately. Waiting longer than 20 days to report your injury may decrease which benefits you are eligible to receive, according to the Kansas Department of Labor. Next, seek medical treatment as soon as it is possible. Taking these actions in a timely manner will establish a more concrete timeline, in case any disputes that may arise. It is also wise to obtain 2 copies of the doctor’s report after your medical treatment. 1 copy for your employer, and 1 copy for you.

Timeline and Other Information

In Topeka, you are eligible to receive benefits that amount to two thirds of your weekly working wage. Capped at $627, per week. However, your employer must first file your injury to the Workers’ Compensation Board, they will designate a doctor for medical treatment. Once your claim has been approved, you will begin receiving a check for lost wages. But, only after you have been absent from work for 21 days, then your benefits will take full effect.

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. Typically about the incident and to 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 Topeka, Kansas Workers’ Compensation Lawyer

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

Work With an Experienced Local Lawyer In Topeka, Kansas

If you are hurt or contract an illness as a result of your job in Topeka, Kansas 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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