The Nature of Workers’ Compensation Claims
Many people wonder, “How long will it take to settle my workers’ compensation claim?” It’s a common question, but the answer isn’t always straightforward. Unlike personal injury cases, workers’ compensation claims for wage loss aren’t typically settled with a lump sum payment. Instead, the claim remains active for the entire duration of your injury.
Wage Loss Benefits
You’ll receive wage loss benefits until the workers’ compensation program determines you’re medically able to return to work. This decision is based on your doctor’s evaluations and reports, ensuring you’re not forced back before you’re physically ready.
Medical Benefits
Beyond lost wages, workers’ compensation also covers necessary medical treatment related to your work injury. This coverage extends for as long as your injury and medical condition require treatment, ensuring you have access to the care you need to recover.
Schedule Awards: Addressing Permanent Impairment
In cases of permanent impairment due to a work injury, a schedule award may be granted. This is a lump sum payment intended to compensate for the lasting impact of the injury on your ability to work and perform daily activities. However, a schedule award is only considered after you’ve reached “maximum medical improvement” (MMI).
Maximum Medical Improvement (MMI)
MMI signifies that your doctor believes your condition is unlikely to improve significantly with further medical intervention. Once you’ve reached MMI, your doctor will assign an impairment rating, which is a crucial factor in determining the amount of your schedule award.
Key Takeaways
- Workers’ compensation for wage loss is generally not settled in one lump sum.
- Benefits continue for the length of your injury and recovery period.
- Medical benefits cover treatment for as long as necessary.
- Schedule awards are possible for permanent impairments but are granted after MMI.
- Your doctor plays a vital role in determining your ability to return to work and your MMI status.