Getting hurt on the job is tough. Without proper knowledge, the road to recovery can be even more challenging. While workplace injury policies vary from state to state and business to business, there are several things that are more or less the same across the board. This article will detail these key aspects and help you determine if your workplace injury deserves compensation, and how you can get the care you deserve without breaking the bank.
First, You Need to Determine the Severity of Your Injury
The first thing you must do is determine the extent of your injury. Typically, an injury is considered severe when it prevents you from fulfilling the minimum requirements for your job. For more specific criteria, speak with a manager or human resources representative as soon as possible.
Visit Your Physician Within 48 Hours of Injury
In case you are injured badly, you have to see a doctor. Without proper diagnosis and documentation, your claim for workers’ compensation will be denied, and the sooner you see a doctor, the better! Sometimes, your workplace’s insurance provider will require a specific doctor affiliated with the company’s insurance plan, so you will have to see a Workers’ Compensation Doctor. These doctors specialize in the paperwork and treatments that follow company standards and are approved by the business’ insurance provider.
If you get badly injured on the job, you will likely need to go to a Workers’ Compensation Doctor when you are feeling well enough. For minor injuries that do not require a hospital visit (like sprains or a concussion) but that still keep you from working, you will still want to reach out to a Workers’ Compensation Doctor or your primary care physician.
By seeing an approved physician, the treatments required for recovery may be covered by your workplace’s insurance, or you may be reimbursed for any related out-of-pocket expenses. The risk that comes with visiting a Workers’ Compensation Doctor is that your claim may be denied by the doctor. The purpose of a Workers’ Compensation Doctor is to determine the severity of your injury based on company standards, and thus if you are not deemed unable to work by the specified physician, you cannot make a claim. Fortunately, there are ways to avoid this from happening!
One method you can use to avoid being denied or forced to spend too much money is to see your primary care physician alongside a Workers’ Compensation Doctor. Your PCP can act as a second opinion, and be able to write prescriptions that can help you afford recovery items even if your claim gets denied, so you don’t have to pay out of pocket for expensive medications or accessories.
Familiarize With Your Workplace Insurance and Employee Care Policies
Another way to avoid your claim being denied is to familiarize yourself with your workplace’s employee care policies. When you are accepted into a job, you are immediately covered by the employer’s blanket insurance policy. Under this kind of policy, all workers are covered by basic life, accident, and health insurance while on the clock. When a company offers another policy that deducts its premiums from your paycheck, it is not typically affiliated with the blanket policy. Instead, these optional insurance policies work outside of the workplace instead of just inside the workplace.
When you’re injured, your workplace or doctor’s office may not be properly equipped to provide care items for your recovery. Medical supply providers, however, can work with both your primary care physician and your Workers’ Compensation Doctor to provide these items at a discounted price. These places will have bandages and wound care products for cuts, and slings and braces for other injuries that are not only professional-grade but can be shipped directly to your home and available through Medicaid.
To browse more products and get the care items you need, check out Medical Supply Depot.