Workers’ Compensation Benefits in Terre Haute

The Indiana Workers’ Compensation Act governs workers’ compensation in the state, and almost all employers with one or more employees must offer these benefits. While there are exceptions, most full-time and part-time workers are eligible after suffering an injury or illness while performing their duties on the job.

Unfortunately, general contractors are typically ineligible unless they opt in to the coverage. Speaking with one of our skilled employee insurance attorneys about workers’ compensation benefits in Terre Haute can help you understand how best to protect your rights while pursuing the damages that you may be entitled to.

What Benefits Are Available to Workers?

Workers’ compensation insurance covers a wide range of benefits related to medical expenses and disability needs. The categories of benefits available to workers include the following.

Medical Benefits

Medical benefits include all reasonable and necessary medical treatment and services relating to injuries sustained at work. You will not have to pay co-pays or deductibles for appointments and procedures, including:

• Prescriptions.
• Physical therapy.
• Medical equipment.
• Surgical procedures.
• Doctor’s office visits.
• Travel reimbursements.

Our qualified Terre Haute attorneys can review the employee compensation benefits in detail and answer your specific questions.

Temporary Total Disability

Temporary total disability (TTD) is available if you cannot work while you recover. You can receive more than 66% of your average weekly salary, ranging from $220 to $1,260. Payments begin on the 8th day of the disability and have a maximum duration of 500 weeks.

Temporary Partial Disability

Temporary partial disability (TPD) is available if you return to work with light or modified duty and receive lower pay. You can receive approximately 66% of the difference between pre-injury and current earnings.

Permanent Partial Impairment

Permanent partial impairment (PPI) is a payment available if you are permanently impaired on the job. You can receive payment for the indefinite loss of use, such as an amputation of a body part, even if you can return to work.

Permanent Total Disability

Permanent total disability (PTD) is the payment you receive after suffering a permanent disability that leaves you unable to work. You can receive up to $1,260 a week for life.

Applying for Benefits

Workers’ compensation in the state is a no-fault insurance system, which means that you do not have to build a case to prove that your employer was negligent to receive benefits. According to the Indiana Worker’s Compensation Act, the first and most crucial step is reporting the injury to your employer immediately. You can notify your immediate supervisor or the human resources department.

While it is preferred that you report your injury right away, you must report within 30 days or risk being denied coverage. You should provide your employer with the details of the accident, including:

• The date.
• The time.
• The location.
• How it happened.

You should also inform them of any witnesses. Your employer will choose the doctor you see initially, but you have the right to request a change after that visit.

After seeking medical care, the next step is filing a claim for benefits by completing an application and filing it with the Workers’ Compensation Board of Indiana. Our seasoned attorneys, experienced in cases involving Terre Haute workers’ compensation entitlements, can help you through each step of the process and provide support and guidance throughout.

Contact an Attorney About Terre Haute Employee Compensation Benefits

Workers’ compensation benefits are available to most employees in the state and are based on a no-fault system. This means you will not have to prove your employer or anyone else was responsible for the accident to receive benefits.

Compensation is available to cover medical expenses, lost wages, rehabilitation, and more. Contact Fleschner, Stark, Tanoos & Newlin today to arrange an appointment with one of our qualified lawyers who can help you learn more about workers’ compensation benefits in Terre Haute.