File your workers compensation claim with your employer
If you do not file a claim with the employer then the workers compensation insurance will not be brought into the picture.. so remember don't treat under your private insurance... turn in a claim right away.
The urgent care, emergency room, or industrial clinic where you are first taken for your industrial injury will examine you and issue a work status report which will be given to your employer and a copy to his workers compensation insurance carrier.
You are too disabled to do your job.
If the examining doctor or facility determines that you are too injured at the present time to return to work in any capacity you will be taken off work on Temporary Total Disability (TTD). The first 3 days you are off from work you will not be paid for unless you were hospitalized for the injury or your disability lasts longer then 14 days.
How much will I receive on TTD
TTD is paid at the rate of 2/3 of your average weekly earnings for the previous 52 weeks. There are state minimums and maximums which are followed. The current state maximum is nearly a thousand dollars a week and this number has been escalating nearly every year so it is subject to change. This money is tax free so it is very close to what the injured worker was making at work after taxes were removed.
How long will I remain on TTD
Your TTD benefits must be renewed by your primary treating doctor by him sending in a report to the insurance company at least once every 45 days. So long as the doctor has you Temporarily Totally Disabled and you have not exceeded the 104 weeks of disability per the current law you will continue to receive benefits.
What if my employer has modified work for me?
If your employer offers modified work within your work restrictions as outlined by your primary care physician then you must return to work or risk your TTD benefits being shut down. If you attempt to go back to work on modified duty and then the modified duty or temporay job ends you may be able to go back on TTD.
Hire a lawyer !
There is no substitute for good legal advise on your workers compensation claim . The fees are low and you never have to pay a dime out of your pocket even if there is not monetary award at the end of the case because you made a full recovery. So having a highly qualified attorney is a no brainer !!
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