Even if you’re not living paycheck to paycheck, a work injury can have devastating repercussions on your financial security. Medical bills add up quickly, and missing any amount of work can affect your ability to provide for your family. Fortunately, most individuals who sustain injuries on the job are entitled to workers’ compensation benefits. Below, the experienced team at Frederick S. Spencer, P.A. in Mountain Home, AR, answers a few questions regarding these benefits:

Who Is Eligible for Workers’ Compensation?

In the state of Arkansas, almost all employees are eligible for workers’ compensation benefits. The exceptions include those who work at businesses where there are fewer than two employees; those who provide domestic help or agricultural farm labor; and those who are employed by religious, charitable, non-profit, or relief organizations.

How Can I Tell If My Employer Has Coverage?

Your employer should post a notice regarding coverage where all employees can see it. If you do not see such a notice in any of the common areas, ask your supervisor.   

Can I Choose My Own Physician?

If you are receiving medical care through the workers’ compensation program, you must typically see an authorized provider. In some cases, the employer and insurer will allow employees to see their own physician for treatment, but you should always confirm that you can before actually doing so. If you need emergency medical care, the employer or insurer may have to cover the costs even if the responders are not authorized providers.

What Do Workers’ Compensation Benefits Include?

Workers’ compensation covers medical bills, rehabilitation costs, and a portion of your missing wages, which is typically 66% of your average weekly wage.

If you were hurt at work and you want to apply for workers’ compensation benefits, turn to a lawyer from Frederick S. Spencer, P.A. in Mountain Home, AR, for help every step of the way. To learn more about hiring a seasoned attorney to assist with your claim, visit their website, or call (870) 425-6984 to schedule a consultation today.