Q. What is workers' compensation?
A. If you get hurt or sick because of work, your employer's insurance is required by law to pay for workers' compensation benefits. You could get hurt by:
One event at work, such as
hurting your back in a fall, getting burned by a chemical that
splashes on your skin or getting hurt in a car accident while
.Q. What are the benefits?
A. Workers' comp insurance provides three basic benefits:
Temporary payment benefits: Payments if you lose wages because your injury prevents you from doing your usual job while recovering.
Medical care: Paid for by your employer to help you recover from an injury or illness caused by work
if you don't recover completely
Q. The Rhode island Workers' Comp system seems very confusing. Should I get an attorney?
Q. When will I get my first check?
A. You should receive the first check within approximately 21 days after contacting our office.
A. First, report the injury to your employer by telling your supervisor right away. If your injury or illness developed over time, report it as soon as you learn or believe it was caused by your job.
Reporting promptly helps prevent problems and delays in receiving benefits. If your employer does not learn about your injury within 30 days and this prevents your employer from fully investigating the injury and how you were injured, you could lose your right to receive workers' compensation benefits.
Next, get emergency treatment if you need it. Tell the health care provider who treats you that your injury or illness is job-related.Then, contact us! We will help you complete a claim form, called a , and give it to your employer. Your employer must give or mail you a claim form within one working day after learning about your injury or illness.
Q. Besides workers' compensation benefits, can I get any other financial assistance?
A. Yes. Other benefits may be available. These include:
Q. What is the time limit for filing a Petition for Benefits?
In general, there is a two (2) year period to file a Petition. However, it depends on the type of issue in dispute.
Q. Is there a period of time after which my claim is no longer open?
Q. Do I have to pay any of my medical bills?
No, all authorized medical bills should be submitted by the medical provider to your employer's insurance company for payment.
Q. How much will I be paid?
In most cases, your benefit check, which is paid bi-weekly, will be 66 2/3 percent of your average weekly wage. If you were injured before October 1, 2003, this amount is calculated by using wages earned during the 91-day period immediately preceding the date of your injury, not to exceed the state limit. If you worked less than 90% of the 91 day period, the wages of a similar employee in the same employment who has worked the whole of the 91-day period or your full-time weekly wage may be used. If you were injured on or after October 1, 2003 , your average weekly wage is calculated using wages earned 13 weeks prior to your injury, not counting the week in which you were injured.
In addition, if you worked less than 75% of the 13 week period, a similar employee in the same employment who has worked 75% of the 13-week period or your full time weekly wage shall be used.
Q. Do I have to pay income tax on this money?
No. However, if you go back to work on light or limited duty and are still under the care of the authorized doctor, you will pay taxes on any wages earned while working.
Q. If I'm only temporarily disabled, how long can I get these checks?
You can receive Temporary Total, Temporary Partial Disability payments or a combination of the two benefits during the continuance of your disability for no more than a maximum of 104 weeks.
Q. Can I receive social security benefits and workers' compensation benefits at the same time?
Q. Can my employer fire me if I am unable to work because of an injury and am receiving workers' compensation benefits?
No, it is against the law to fire you because you have filed or attempted to file a workers' compensation claim.