At What Point Do I Qualify For Workers' Compensation With My Employer?
The only requirements that you must meet to qualify for workers’ compensation are to be working for an employer with workers’ comp insurance, to be a paid employee of that employer, and to have a work-related injury. There is no minimum time requirement that you have to be employed by that employer. You are usually covered from the first day of employment.
If you are unable to return to work because of your injuries, then you will not receive compensation for the first seven days of lost wages unless you are out of work for 21+ days. You can also receive compensation for your medical treatment, prescriptions, recovery and rehabilitation, and even the mileage for traveling to appointments for your injuries.
What Is Maximum Medical Improvement?
Maximum Medical Improvement (MMI) is the term used to express that your doctor has determined that your injuries will not improve any further. This could mean that you are entirely recovered, or it could mean that you have simply recovered as much as you ever will, and there is nothing more that can be done for you. If you are permanently partially or fully disabled, then your physician will assign a disability number. You will then be eligible for Social Security and disability benefits in addition to your workers’ compensation.
If your injuries keep you from working, then you may be eligible for disability payments. This will come in payments that are about 2/3 of your usual weekly pay. If you cannot earn the same wage while injured, then you may receive temporary partial disability payments at 2/3 the difference between your former and current wages. You can only receive this form of disability payments for 300 weeks from the date of your injuries. If you must endure amputation or find yourself unable to use a particular part of your body due to your injuries, then you may receive permanent partial disability payment. Some injuries even correspond to a set benefit amount.
If you lose your ability to complete your job duties and cannot completely recover, then you may also receive permanent disability payments. Total and permanent disability would apply to situations like losing both hands, both arms, both legs, or both eyes. In situations like this, you can receive disability payments for the rest of your life.