The benefits you are getting are not taxable, so you will not need a W2 or any other tax form from Zurich.
You are owed benefits for the wages that you are continuing to lose. The workers' comp insurance has to pay you 70% of the difference between what you are making now and what you were making before you got hurt (average weekly wage). You will most likely need to go to a hearing to force the payment of these benefits. Therefore, you will most likely need to contact a lawyer. The...
How things proceed will depend in part on what level of litigation your case is at - whether you are talking about a District Court judge or an administrative judge. The question is not whether it will get reversed, but whether or not the agreement will be approved. The agreement has to comply with the law. It will be reviewed to make sure the agreement is legal in that regard.
If you are still within the 90 day deadline and you are going to pursue the problems with your back beyond just a sprain, then you need to go ahead and dispute the impairment rating. You are really disputing the MMI date more than the impairment rating. This assumes that it has been less than 2 years since your injury. Without all of the facts it's hard to give you specific advice. Although there are exceptions that may allow you to dispute the impairment rating after the 90 day deadline...
I review cases like yours all the time. I'm in Richardson, not too far away, and I handle a lot of workers' comp cases. It sounds like you've been railroaded and stuck with docs that do whatever the insurance company tells them to do. I'd like to discuss the details of your situation with you and find a way to help you, if you'd like. Check out my profile if you are interested and then give us a call.
A lot of variables play into this question. The answer depends on whether or not your employer has workers' comp insurance or just an accident insurance plan, why it happened, how long you will or have been off work, whether you have to change occupations, and what the AMA Guides say about the loss of the fingers in relationship to the rest of the body. We would probably need to sit down and discuss the matter in detail to give you a better answer.
In a Texas workers' comp case, the impairment is determined by a book published by the AMA. The answer depends in part on how much of the toe was lost. There are multiple variables. The best choice would be to get your medical records together and review the claim with an attorney. Then you can get the advice you need that includes the details that really matter in a claim.
Regarding suing the employer, that depends on what kind of insurance the company has. In Texas, companies don't...
Your claim would still be covered. There are deadlines about reporting injuries and filing a claim. You should give me a call, or another local workers' comp attorney, immediately to get everything filed correctly and timely, and to get advice on how the claim should progress from there.
I am a Texas workers' compensation attorney in Richardson, TX. I frequently represent undocumented workers. You are entitled to medical treatment and to lost wage benefits, as well as benefits for any permanent impairment. You will likely need to hire an attorney to make sure you get all of the benefits you may be entitled to receive.
Even if your company does not have workers' comp insurance, you may still have a claim for damages. Anytime a worker is injured on the job it is important to discuss the details with a good attorney. You may have a claim against another company, another driver or a nonsubscriber claim against your company depending on the specifics of what happened.
In Texas you can get workers' compensation benefits if your employer has real workers' compensation insurance. Immigration status does not matter. You need to talk to a local workers' comp attorney immediately.