In 2023, private industry employers reported 363,900 nonfatal workplace injuries and illnesses in California, according to the Bureau of Labor Statistics. If you were injured at work, you may be wondering how long workers’ comp will last.
Understanding workers’ compensation thoroughly is important because your future financial status depends on the benefits that you will get. Your employers need to report your injury and explain the process to you in case you don’t know where to begin your claim.
Did you know that if your employer failed to report your injuries, you could sue them?
Understanding Workers’ Comp Benefits in California
Workers’ comp benefits in California are necessary for someone who suffered an injury while on the job. The benefits would cover medical expenses and support you while you are still recovering from your injuries.
Some of the medical services covered are the following: doctor visits, hospital stays, and rehabilitation services. If your injury does not allow your day-to-day work duties to be performed, then you will be compensated for lost wages too.
Temporary Disability Benefits Duration
The duration for which you can receive workers compensation in California can vary. Knowing how long temporary disability benefits are payable is necessary to make effective financial plans.
You can receive this benefit for a total of 104 weeks within 5 years of your injury. You will receive benefits for a certain number of weeks depending on your case and medical condition.
In case the injuries prevent you from performing any job to which you may reasonably be suited, the benefits will continue for more extended periods. To secure the best benefits possible, it is important that the claimant keep regular contact with the claims administrator and furnish them with updated medical reports.
Permanent Disability Benefits Duration
Permanent disability benefits are financial assistance for those workers who suffered severe injuries thatprevent them from ever returning to work.
A rating system that evaluates your permanent disability level governs the duration of this benefit program. Your entitlement to benefits may extend over a longer period if your declared rating percentage is higher.
Normally, 14 years would be the maximum duration, but circumstances and variables specific to the case and injury in question depend on the details at hand.
In case of any doubts, consult a good attorney who can help you receive the benefits you deserve.
Factors Affecting Benefit Duration of Benefits
Several factors may affect the duration of your workers’ compensation benefits in California. The primary factor is your injury: more severe or permanent injuries may result in a longer holding period for your benefits.
Your ability to return to work will also affect the benefits. You will carry on receiving benefits for as long as you are under medical treatment or rehabilitation.
There may also be amendments periodically agreed upon by the insurance company about the duration of benefits. Your age and employment history are also factors that will be considered.
Steps to Take If Benefits Are Denied or Cut Off
If the letter denies your claim, review the denial information. Then, collect any documentation that can support your case, for example, medical records. You should be prepared to approach your claims adjuster for clarity and discuss the issues together.
If your claim is denied or your benefits are cut off unexpectedly, your next step is to file an appeal. Filing an appeal within the time required is essential to secure your benefits.
You might also consider sitting with a workers’ compensation attorney to get advice on this process; in case there is a need to file a case, he or she can represent you.
Fighting for your rights and benefits requires awareness and prompt action. Always keep in mind to check and update your information to get all the benefits you truly deserve. You should consult a lawyer if your claim is denied or your benefits are unexpectedly cut.