When Does Workers’ Compensation Stop?
The workers’ compensation is an excellent help if you sustain workplace injuries as it covers your incurred injury-related financial losses. You receive the benefits over an agreed regular weekly or biweekly schedule. However, the coverage will eventually stop unless you qualify for permanent disability benefits.
You thus probably want to know when your compensation coverage will stop.
And if there are conditions that could allow the insurance provider to stop or reduce the coverage?
Answering these questions could help you properly prepare for the end of your workers’ comp. You will also know if the insurance carrier abruptly stops the coverage so that you can take immediate action.
Factors that Can Stop Your Workers’ Compensation Coverage
If you qualify for workers’ compensation, you will receive coverage for medical expenses, lost wages, and other financial losses because of the workplace. However, some factors may stop the benefits coverage like:
1. You’re Ready to Return to Work
As mentioned earlier, the workers’ comp will cover your injury-related financial losses. It will thus stop if you can return to work and earn your regular income.
However, consult your doctor before returning to work to verify you have entirely recovered and won’t require further treatment.
After which, discuss the option with your Glendale workers’ compensation lawyer to determine if you can end the coverage. Your party will then settle with the insurer to cut the benefits.
2. Workers’ Compensation General Restrictions
You generally can only enjoy the benefits for a limited time or until you are ready to return to work.
In most cases, an employee can only receive the benefits for 104 weeks within five years of sustaining a workplace injury. The coverage may last up to 240 weeks for severe injury cases like chronic lung disease or severe burns.
Moreover, you may continue receiving the benefits for a lifetime if you sustain a permanent disability like limb amputation.
3. Not Getting Proper Treatment
Insurance carriers want to ensure their funds serve only the intended purposes. It’s thus vital to get appropriate injury treatments to keep receiving the funds and avoid suspension.
For example, imagine your doctor prescribed medicine to take every six hours, but you only take them when you feel the symptoms. The insurance provider may file a termination petition to suspend your coverage for not taking your medications properly.
How the Insurance Provider Can Stop Your Workers’ Compensation
However, the insurance carrier cannot just stop sending you the benefits as There is a process to follow. They must file a termination petition to the court to suspend your coverage and prove their claim.
They will send you a suspension notice if the court approves their petition. After which, you and your lawyer can appeal the decision and prove you deserve to continue receiving the compensation.
Following the example above, suppose the court suspends your coverage as the insurance provider claims you didn’t take proper medications. You can file an appeal to dispute their claim and resume the benefits. Be sure you present all your medical bills and receipts during the appeal to prove that you’re undergoing proper treatment.
A Glendale workers’ compensation lawyer can help you handle a termination petition from an insurance carrier.
Consult a Workers’ Compensation Attorney in Glendale to Continue Receiving Your Benefits
As you can see, a few factors can lead to the termination of your workers’ comp. It’s thus crucial to understand how they could affect your coverage to keep receiving the benefits for as long as possible.
A Glendale workers’ compensation lawyer will help optimize your benefits and ensure they last for a sufficient time.