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If you have had an incapacitating injury or long term illness which was caused by your environment or working conditions you may be entitled to workers compensation, which would ease the financial strain of long term absence.
This article will examine ways that your insurance company can assist you during such troubling times.The schemes like worker compensation provides the worker with many benefits with are useful for the employee during the period he is not able to work These benefits consist of:
Loss of salary, after the employee has not worked for seven days then the plan will pay the basic salary until the employee can come back to work full time. Shift allowance and penalty rates,don't get too excited at claiming for extra shifts on this scheme it covers JUST the basic wage it does not cover overtime. Also know if the employee would be away from work for over six months then the payments could go down to a statutory amount.
hospital treatments, necessary therapies and counseling, any medical tests that are needed and your medications.
Medical and other expenses, within reason the system covers most medical and
The rehabilitation expenses scheme covers all involved costs of returning to work, including: rehabilitation, training or re-training of job in order to prevent further accidents, and employment search expenses.
This will also include any traveling you need to do during your recuperation, any equipment you need to purchase, and other expenses that you may incur.
it says should you have a permanent or serious injury then you can be awarded a lump sum
Also, please be advised that you have numerous rights as an injured worker which include the following: selecting your doctor of choice, selecting your rehabilitation provider for your rehabilitation, selecting your occupational health providers and choosing your own treatment provider, and finally you will be able to provide input into your own plan which will help you to return to work.
Your job is considered to be your's for the period of six months exactly after your injury period which means your master will have to hold your office open for six months and in case you return to the work during that period then only you are entitled for your job back and not otherwise. Should you be fit enough to return to your previous position before a two year period has passed then you can apply to be reinstated with your employer,even if you are terminated after a six month period.
You have responsibilities as an employee which will help to ensure that the process works well and that you receive the benefits that you are entitled to receive. This includes:
You Have to let your employer know about any sickness or injury right away, since waiting could cause your claim to take longer and in some situations it means that you are not qualified for a claim.
This must then be given to your employer,you need to see a doctor as soon as possible and obtain a WorkCover medical certificate.
You need to work as a team and cooperate with those who are trying to get you to return to work.
Keep your employer informed so that they are aware of your situation and can plan accordingly.
As soon as your physician permits you to return to work.
Keep the copies of all the paperwork and keep a record of you daily activities so that the insurance company can know about the happenings in your case.
Your insurance company needs to be informed right away of any changes in your employment or other status changes as a result of an accident or illness.
Your come back to work procedure for the workers compensation plane will be put together to assist you in being fit again as soon as you can and your boss will work along with you and your come back to work group to make sure you return to work when you are prepared. But everyone's main aim will be to get you back to work as soon as possible,in many cases they could suggest that you return on lighter duties or even on reduced hours to start with.
The Workers Compensation section of the,visit. www.injuryclaimsaustralia.com website for having more information on this scheme and others to ensure that you are not out of pocket in case you suffer for no fault of yours.
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