Knowledge and Training of Workers’ Compensation
Bone & Joint Specialists’ team has extensive, up-to-date knowledge and training of workers’ compensation laws, which is a major factor to manage health care costs in order to benefit employers and patients. Our on-site workers’ compensation team is dedicated and ready to assist in the management and facilitation of any injured worker case.
What Services Are Provided by Workers' Compensation?
Workers' compensation provides benefits to employees who get injured or sick from a work-related cause. It also includes disability benefits, missed wage replacement, and death benefits.
Workers' comp also reduces your liability for work-related injuries and illnesses.
Workers' compensation benefits can help cover these expenses:
- Medical expenses
- Lost wages
- Ongoing care costs
- Funeral expenses
Cooperating With Workplace Injuries
Our physicians and staff work to help alleviate the expense of an on-site injury, including providing companies with accurate, timely diagnoses and treatment plans that enable employees to get back to work as quickly as possible. Nurse case managers and adjusters that represent these patients can count on the staff at Bone & Joint Specialists to share the knowledge promptly in a spirit of cooperation to provide top-quality care for our patients while keeping down potentially high costs of work-related injuries.
What Kind of Injuries Are Covered by Workers' Compensation?
Workers' comp covers both traumatic injuries and occupational illnesses. Traumatic injuries are those that result from a one-time accident at work, such as a broken bone from a slip or fall. Occupational diseases are injuries or illnesses that occur over a period of time, including injuries caused by repetitive movements at work (such as carpal tunnel syndrome) and illnesses developed from exposure to toxic substances at the workplace (such as cancer from exposure to asbestos).
If You Are an Injured Worker
We are experts in work-related injuries and recognize that the key to cost management is getting the diagnosis right the first time. Our expertise includes careful evaluation of injury causation, turn-around of Work Status reports within 24 hours of the office visit and providing the latest in cost-effective treatment options.
What Are the Guidelines for Workers' Compensation?
Workers' compensation is an accident insurance program paid by employers in Indiana. If you are injured on the job, these benefits are intended to provide you with medical, rehabilitation, and income benefits. The goal with these benefits is to help you return to health so you can return to work. Workers' compensation also provides death benefits to dependents if your death was caused by a job-related injury.
Timeliness is important. You should report any accident to your employer (boss, foreman, or supervisor) immediately. If you wait more than 30 days your claim may be denied.
If you are unable to return to work for more than 7 days, you are entitled to weekly income benefits. The first installment should be mailed 15 days after the date of injury. You will not be paid for the first week of lost time until you have been out for 21 days.
How Long Can You Receive Workers' Compensation in Indiana?
For temporary disability, Indiana workers are eligible to receive compensation for wage loss during the time they are disabled and unable to work. This is not permanent disability. Temporary total disability payments are two-thirds of your average weekly wages, which equates to $780 per week as of 2020.
These benefits can last for a maximum of 500 weeks.
I suffered a severe ankle injury in high school phys-ed and Dr. Hong was able to schedule my visit promptly, take the necessary imaging and fit me in a cast quickly so I could begin healing and get back to my sport. Thanks doctor, and staff, for your expert care!
- Meghan M. | Student Athlete
What Does Workers' Compensation Not Cover?
Workers' compensation does not cover injuries incurred when you are off duty. For instance, if you are injured during your lunch break or during your commute to and from work, you will not be covered by workers' compensation.
What Workplace Injuries Are Not Covered by Workers' Compensation?
Generally, in Indiana, if the injury or illness occurred while on the job, benefits from workers' compensation will accrue.
This is not the case, however, if the employee gets hurt or sick outside of work (while on lunch break, for instance). Benefits usually will also be denied if the employee was intoxicated at the time of the accident, or if the employee was shown to have caused the injury intentionally in attempt to fraudulently gain benefits.