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Workers compensation laws vary from state to state, but in many cases companies need to carry this type of insurance to protect their employees in the event of on-the-job injuries. Lost wages, medical expenses, and rehabilitation are all benefits that will likely be covered by workers comp insurance. If you are injured on the job, there are some crucial steps you will need to take to ensure you receive the maximum benefits from your employer's workers comp policy. From the time of injury to the time you have completely recovered, you need to follow your workers comp plan procedures exactly as the policy dictates. When you initially suffer an injury at work, make your employer aware of what has happened. Most people with what, at first, seems like a minor issue don't tell their employers immediately. When you wait, you take the risk of losing workers comp benefits. Insurance companies fight claims vigorously, so you don't want to allow them any wiggle room to leave doubt that the injury actually occurred on the job. When you seek treatment for an injury, be sure you are cared for by a medical provider or facility that is approved by your employer's workers comp plan. Unless it is an emergency, your claim can be denied if you go to an unapproved family physician. Your employer is mandated to supply you with a list of approved providers in your area. If you require any further testing, you will need prior approval from the insurance company. You never want to be stuck with a huge medical bill just because you didn't get the right signatures. If your injury requires a long recovery period, you will be entitled to compensation for lost wages. Again, insurance companies are sticklers and will cut off benefits if you haven't crossed your t's and dotted your i's. You should schedule an appointment with your employer's benefits specialist to make sure you are following the appropriate procedures to the letter. If your doctor has not turned in the necessary paperwork, don't feel bad about badgering him. He may be busy, but your time is just as important. You may also be entitled to recover lost time, if you were forced to use sick days and vacation days to cover your absence at work. Workers compensation can be critical to maintaining your standard of living if you are injured on the job. Follow the above advice to make sure you receive the benefits to which you are entitled. To save money while providing your employees with high quality Florida workmans comp, contact C. Emory Cross at www.cemorycross.com.
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