When you get injured in an accident or become ill due to conditions you were exposed to at work, your employer’s workers’ compensation insurance may provide you with several benefits. These payments are designed to get you back into working shape and minimize the incident’s financial impact on you and your family. Depending on the severity of your injury, workers’ comp benefits may just cover a few days or weeks of medical care—or they may help support your family for decades to come.

Understanding workers’ compensation benefits in Pevely is much easier with the guidance of an experienced workers’ comp attorney at OnderLaw. Our knowledgeable lawyers can explain what benefits may be available to you and what state law says about calculating financial values. We will be with you every step of the way throughout the entire process.

Medical Bills and Related Expenses

Any employee with workers’ compensation coverage who suffers a work-related injury or illness in Pevely can seek reimbursement through that coverage for all “reasonably necessary” medical expenses they incur due to their injury or illness. More specifically, workers’ comp should cover all medical treatment that is reasonably necessary to return an injured or sick worker to Maximum Medical Improvement (MMI). This means as close to their pre-injury condition as their physicians believe is reasonable to expect.

Workers’ comp should also provide reimbursement for travel expenses related to medical care—for instance, the costs of gas for a personal vehicle or other transportation needed to get to doctors’ appointments. One of the skilled attorneys at OnderLaw can help calculate the value of your workers’ comp claim during an initial meeting.

Wage Loss for “Temporary Disability”

Anyone in Pevely whose work-related injury or illness renders them unable to perform their normal job duties for any period can seek restitution through workers’ comp for a portion of the wages they lose while away from work. Typically, the value of these “Temporary Total Disability” (TTD) benefits is two-thirds of the injured worker’s average pre-injury weekly wage, up to a maximum of 105 percent of the statewide average wage rate. In the event that someone is able to return to work while still recovering but cannot yet perform all of their normal job duties, they may receive Temporary Partial Disability benefits until they reach MMI.

Long-Term Disability or Death Benefits

If a work-related injury or illness leaves someone permanently disabled, that injured or sick worker may be eligible for Permanent Partial Disability (PPD) or Permanent Total Disability (PTD) benefits, depending on whether they can perform some type of work or are completely unable to work any job.

In the event that someone’s work-related injury or illness directly results in their death, their surviving family members may be eligible for death benefits that are generally equal to whatever disability benefits the covered worker would have received had they survived their injury or illness. Workers’ comp should also cover up to $5,000 of funeral expenses in this scenario.

A Pevely Attorney Can Help Maximize Workers’ Compensation Benefits

The specific value and type of benefits you could receive through your workers’ comp claim may differ greatly from those another person might be eligible for, even one injured similarly. No matter what kind of injury or illness you are dealing with, support from qualified legal counsel can be key to ensuring your employer and their insurance provider give you the fair compensation you deserve.

An experienced lawyer at OnderLaw can discuss the ins and outs of workers’ compensation benefits in Pevely in more detail during a private consultation. Call today to schedule yours.