Answers To Your Workers' Comp & Personal Injury Frequently Asked Questions

Doubt, uncertainty, and confusion can quickly cause painful situations to escalate into catastrophic traumas. Personal experience has taught us that when an accident victim allows his concerns to overwhelm his determination for justice, he neither gets relief nor justice. This is why we feel that getting answers to your injury questions are extremely important not only to relieve stress, but also to build a stronger injury claim. Allow us to address your concerns and come see for yourself how a simple answer can make a difference.

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  • When does workers’ compensation cover injuries that do not occur at a job site?

    To be eligible for workers’ compensation benefits, you must sustain an injury that occurs during the course of work-related activities. This rule may seem fairly straightforward, but there are some gray areas that can occur when injuries happen while you’re away from your normal job site.

    Business Travel Injuries

    Injuries occurring during travel to work-related meetings, conferences, or other business trips would be covered under Georgia’s workers’ compensation law including work related car accidents. If you’re traveling to a location for several days, you’re considered to be acting in the scope of your employment for the entire duration of your trip.

    For example, a doctor who works for Emory Healthcare may need to travel to San Francisco to attend a medical conference. If the conference lasts for one week from 9 am to 5 pm each day, injuries occurring in the early morning or evening hours would still be covered. Since he’s attending the conference as a condition of his employment with Emory Healthcare and is unable to return home each night, workers’ compensation law covers his activities for the entire duration of the trip.

    Injuries Occurring During Training

    Injuries that occur during required training for your current position or a promotion are covered under workers’ compensation law, regardless of whether they occur at your regular job site or at a secondary location. Training is considered a work-related activity.

    Injuries from Company-Sponsored Events

    Company-sponsored events such as picnics, retirement parties, or holiday celebrations generally fall under workers’ compensation law. Even though their purpose is primarily social and occur away from your regular job site, they are considered work-related because they are sponsored by your employer.

    Commuting Injuries

    If your injury occurred during your commute to or from work, it’s probably not covered by Georgia workers’ compensation law unless you were driving a company-provided car at the time. The primary exception to this rule is workers who have no fixed office location.

    Most workers report to a specific job site each day, but people in certain occupations may travel regularly between locations and thus have no fixed office space. For example, a salesperson may work out of his car while traveling to meet clients, and a custodian working as a contractor for a cleaning service may visit multiple commercial buildings and work a few hours at each site. In cases like this, injuries occurring at each location of business or while traveling to the assigned location are considered eligible for workers’ compensation benefits.

    Lunch Break Injuries

    Traveling off company property for your lunch break will typically result in your injuries being denied for workers’ compensation benefits. However, you might be covered if you were picking up lunch for your boss or meeting with clients while you were eating.

    On-Call Injuries

    If you work in a field that requires you to be on call for your employer, injuries occurring during this time period may be covered even if you’re not actively performing work for your employer at the time. Coverage will depend on your employer’s specific on-call policies.

    Receiving Compensation for Work-Related Injuries

    If you believe your injury qualifies you to receive workers’ compensation benefits, you must provide a notice of injury to your employer within 30 days. If you do not notify your employer within this time frame, your claim may be denied even if your injury would otherwise have been compensated.

    Types of benefits you may be able to receive include:

    If you’re having difficulty obtaining benefits on your workers' compensation claim, seeking legal representation can ensure that your case proceeds in a timely fashion. Rechtman & Spevak’s attorneys have extensive experience helping injured Georgia workers receive the compensation they need to move forward with their lives. Call today to schedule a free, no-obligation initial consultation.
     

  • Are teens eligible for workers’ compensation benefits?

    Teens who are hurt in on-the-job accidents have the same right to workers’ compensation benefits as their adult coworkers. However, they may need an attorney to advocate for their right to compensation.

    Workplace Accidents Can Cause Serious Injuries for Teens

    Child labor laws prohibit teens from engaging in the most dangerous workplace tasks, but there are still a number of ways in which a teen can be injured at a part-time or summer job. For example:

    • Back injury from lifting a child at a daycare facility.
    • Slip and fall accidents while waiting tables.
    • Grease burns from working at Chick-fil-A or another fast food restaurant.
    • Fall from a ladder while retrieving items from a high shelf at Kroger or another local grocery store.
    • Heat stroke or heat exhaustion while lifeguarding at a local pool.
    • Chemical burns from using toxic cleaners at a custodial service.
    • Cuts or fractures from using lawnmowers or other types of landscaping equipment.
    • Car accident injuries while working as a pizza delivery driver.

    Workers’ compensation benefits have no length of service or hour requirements. Workers gain access to benefits on their first day of employment, regardless of whether they are considered full-time, part-time, temporary, or seasonal workers.

    Fault does not play a role in eligibility for workers’ compensation benefits, so teens can collect benefits even when they are partially at fault for the accident due to their youth and inexperience. The only exceptions to the no-fault rule for workers’ compensation benefits are for accidents caused by horseplay and drug/alcohol use.

    Workers’ compensation benefits are generally the sole remedy against an employer for work-related accidents, unless there is evidence that an employer was violating child labor laws or illegally allowing a teen to perform dangerous tasks. If, however, you are involved in an accident due to the fault of someone other than your employer or a co-employee, you may be able to bring a claim against that person. The most common situation where this arises is when you are involved in a car accident while on-the-job.

    Types of Benefits Teens Can Access

    The types of benefits a teen can receive through workers’ compensation will depend upon the severity of the injury, but may include:

    • Medical care. Workers’ compensation is required to pay for the cost of medical care necessary to treat a work-related injury. However, injured workers are required to seek medical care from the panel of physicians—a list of doctors preapproved by the workers’ compensation insurer. This means that a teen won’t be able to seek care from his regular family physician.
       
    • Income replacement. If the injury leaves a teen unable to work, he may be able to receive Temporary Total Disability (TTD) benefits, which are payments in the amount of two-thirds of your average weekly wage up to a maximum of $575 per week.
       
    • Permanent Injury. Permanent Partial Disability (PPD) benefits compensate workers who have suffered permanent injury as the result of an on-the-job accident. These benefits are payable at the rate of two-thirds of your average weekly wage for the number of weeks dictated by the percentage of bodily loss.  You can determine the amount you are entitled to by entering the body part and impairment rating into the PPD calculator on our website.  
    • Death benefits. Fatal workplace injuries involving teens are fortunately very rare, but death benefits of up to $7,500 are available to pay for the funeral and burial costs of those who are killed in on-the-job accidents.

    Protecting a Teen’s Right to Compensation

    The single most important thing a teen can do to protect his right to workers’ compensation benefits is to provide notice of the accident and injury with his employer as soon as possible.  

    There is no legal requirement to retain an attorney in order to receive workers’ compensation benefits. However, some employers may be reluctant to provide injured teens with the benefits they are entitled to receive under the law. In this case, retaining the services of a workers’ compensation attorney can be invaluable in maximizing available benefits.

    The experienced attorneys at Rechtman & Spevak are committed to helping Georgia residents obtain the workers’ compensation benefits they need to recover from their injuries. Contact us today to schedule a free, no-obligation initial case review.
     

  • Will workers’ compensation affect my eligibility for other types of benefits?

    Injured workers receiving workers’ compensation benefits in Georgia may qualify for other benefits, including Social Security disability, unemployment compensation, and short term or long term disability. To protect your financial future, it’s important to thoroughly investigate your eligibility for each program.

    Social Security Disability Benefits

    Workers’ compensation is a state-run program, while Social Security is a federal program. You can collect from both programs if you’re eligible, but it’s important to keep in mind that each program has a slightly different definition of what it means to be disabled. Qualifying as disabled under workers’ compensation doesn’t necessarily mean you’d be eligible for Social Security disability.

    If you’re eligible, Social Security Disability Insurance (SSDI) benefits will not affect the amount of your weekly workers’ comp disability check. However, workers’ comp benefits may offset Social Security benefits, and this may affect you if your income is below a certain level.

    According to the Social Security Administration, someone who is receiving both workers’ compensation and Social Security disability benefits is subject to a benefit cap. You are able to collect from both programs, as long as the total amount of these benefits doesn’t exceed 80% of your average earnings before you became disabled.

    If the total amount from both programs exceeds 80% of your previous earnings, the excess will be deducted from your Social Security benefits. This reduction continues until you reach age 65 or you’re no longer receiving workers’ compensation benefits. When you are no longer receiving workers’ compensation benefits, you can simply call the Social Security Administration office to report the change and your SSDI payment will be adjusted accordingly.

    If you aren’t currently receiving SSDI benefits but wish to apply, your workers’ compensation benefits will have no bearing on whether or not your application is accepted.

    Unemployment Insurance Benefits

    Most injured workers will not be able to collect both workers’ compensation benefits and unemployment benefits. A requirement of receiving unemployment benefits is that you’re ready, willing, and able to work. If you’re disabled from working due to an employment-related injury, this means you wouldn’t qualify.

    One case in which workers might be able to collect both types of benefits is if the injured worker is able to do light-duty work, but no such work has been offered by his employer and he is unable to find suitable light duty work on his own. In this circumstance, you could apply for unemployment benefits as a temporary measure. You would need to clearly state on your application that you’re willing to perform light-duty work within the restrictions your care provider has set for you. You can receive unemployment benefits for 14 to 20 weeks, depending upon the seasonally adjusted unemployment rate at the time you file your claim.

    If you receive unemployment benefits during a period for which you are seeking workers' compensation income benefits, the employer/insurer can receive a credit for each dollar of unemployment compensation paid against the workers’ comp benefits it is required to pay.

    Short-Term or Long-Term Disability Payments

    Many Georgia employers offer short-term disability (STD) and long-term disability (LTD) coverage as part of their benefits package. If you sustain a work-related injury that results in a qualifying disability, you may be able to collect benefits from both workers’ compensation and STD or LTD coverage. However, Georgia law allows an employer/insurer to receive a credit for any benefits an injured worker is paid from a STD or LTD policy in direct proportion to the amount of the premium paid by the employer.

    Protecting Your Legal Rights

    Retaining the services of a workers’ compensation attorney can help you figure out how to maximize your available benefits. Your attorney can advocate for your needs throughout the claim process and answer questions you might have about your eligibility.

    The experienced attorneys at Rechtman & Spevak are committed to helping Georgia residents receive the workers’ compensation benefits they need to recover from their injuries. Contact us today to schedule a free, no-obligation initial consultation.
     

  • What workers’ compensation death benefits are available for surviving family members?

    When someone dies in a workplace accident, the Georgia Workers' Compensation Act may allow the victim's surviving spouse, children, and other dependents to collect benefits. An essential type of workers' compensation, death benefits are intended to ease the financial burden a work-related fatality can have on a victim's family.

    In Georgia, typical workers' compensation death benefits include:

    • Reasonable funeral and burial expenses. Under state law, beneficiaries can receive up to $7,500 to cover the cost of their loved one's burial.
    • Income replacement payments. Beneficiaries may also be entitled to weekly payments of two-thirds their loved one's average weekly wage, up to $675 per week, for deaths as a result of accidents that occurred on or after July 1, 2019.

    Who Qualifies as a Dependent?

    The definition of dependent focuses on who is affected by the deceased person’s loss of income.

    • Surviving spouse. Legally married spouses qualify for benefits, although spouses who were separated for 90 days or more before the incident may have trouble collecting. When spouses are living apart, it’s presumed that they are no longer financially dependent.
       
    • Children. Children can receive benefits if they were born within the marriage, legally adopted, or are acknowledged children born out of wedlock. Posthumous children may also qualify.
       
    • Financially dependent stepchildren. Stepchildren can receive death benefits only if they were financially dependent upon the deceased worker. This means that a stepchild who lived with the deceased worker for the majority of the year could receive benefits, while a stepchild who only visited on the weekends would likely not be eligible.
       
    • Other financially dependent individuals. A person who can prove he or she was financially dependent upon the deceased worker for at least three months before the incident may be eligible for benefits if the deceased worker had no spouse or children. This exception to the standard beneficiaries is most often used for an elderly parent or a disabled sibling, but could also apply to non-related friends in some cases.

    What Happens When There Are Multiple Beneficiaries?

    When there are multiple beneficiaries, the full benefit payment is split between eligible parties.

    If the deceased worker had both a spouse and child, the benefit is paid to the spouse for the benefit of both the spouse and child. If the deceased worker had no spouse and multiple children, the benefits are divided equally between the children and paid to the applicable legal guardian or guardians.

    If the deceased worker had no spouse or children, but multiple other dependent individuals, the totally dependent person is considered a primary beneficiary. If no single individual was totally dependent upon the deceased worker for support, all other beneficiaries can receive partial payments according to their level of financial dependency.

    How Long Do Benefits Last?

    A widowed spouse with no children can receive up to 400 weeks of benefits or a maximum of $270,000. However, benefits will be terminated if he or she remarries or cohabitates in a marriage-like relationship.

    For children, benefits will stop when they turn 18 if they are not enrolled in school. Benefits can continue until age 22 for a full-time student. Disabled children who are unable to become self-supporting can receive benefits for as long as they remain dependent.

    Other individuals who were financially dependent upon the deceased person’s income can receive up to 400 weeks of benefits, but only if there is no surviving spouse or children. Benefits may be reduced by proportion of dependency, if the dependent person only received partial support for expenses from the deceased worker.

    How Can I Protect My Right to Benefits?

    If you are struggling to receive the appropriate workers’ compensation benefits following the death of a loved one, retaining legal representation is recommended. An attorney who is experienced in claims involving fatal accidents can advocate for your needs throughout the process. Since a workers’ compensation attorney will also handle all necessary paperwork and communication with the insurance company on your behalf, this will free you to focus on helping your family through the grieving process.

    Let Us Handle Your Georgia Workers' Compensation Death Benefits Claim

    At Rechtman & Spevak, our accomplished injury attorneys have helped countless Georgia families receive the benefits they need and deserve after the work-related death of a loved one. Contact us today to schedule an appointment for a free, no-obligation initial consultation to discuss the details of your claim, and learn more about your legal rights and options.

     

     

  • Can my workers’ compensation claim be denied for failing a post-accident drug test?

    If you’ve been injured in a workplace accident, keep in mind that your employer is allowed to request a drug test to determine whether you were under the influence of any illegal substances at the time of the accident. A failed test won’t necessarily prevent you from obtaining compensation for your injuries, but it will make the process of settling your claim more difficult.

    How Long Does My Employer Have to Request a Drug Test?

    Under Georgia’s workers’ compensation law, an employer is permitted to deny an otherwise payable claim if the presence of “any amount of marijuana” or other controlled substance is revealed by a drug test administered within eight hours of the workplace accident.

    Urine tests are the most common, but blood and breath tests are also sometimes used. Workplace drug tests typically look for five categories of illegal substances.

    • Amphetamines such as meth, speed, crank, or ecstasy
    • Marijuana
    • Cocaine
    • Opiates such as heroin, opium, codeine, or morphine
    • Phencyclidine (PCP or angel dust)

    If a test is performed more than eight hours after the accident, the results may not properly be used to deny an otherwise compensable claim.  

    All Georgia employees, whether they work for small family-owned businesses or national firms like Wal-Mart or Lowes, have the same protections regarding drug tests after a workplace accident.

    What Happens If I Refuse to Take a Drug Test?

    It might seem like the easiest way to handle the situation would be to simply refuse to submit to a drug test administered by your employer. However, this approach simply won’t work. Refusing a drug test has the same legal effect as failing the test, since it’s assumed that someone with nothing to hide would be willing to comply with the request to expedite the process of receiving benefits.

    What Are My Rights After a Failed Drug Test?

    If a drug test reveals the presence of illegal substances in your system, this doesn’t necessarily mean your claim will be denied. The law states that a “rebuttable presumption” arises that the accident was caused by the use of an illegal substance, and the burden falls on the claimant to prove otherwise.

    After a failed drug test, the burden of proof is placed on the injured worker to demonstrate that the accident and resulting injuries were not caused by the drugs or alcohol in that person's system. How easy this is to accomplish depends greatly on the circumstances surrounding your injuries. For example, if you were stacking packages at United Parcel Service or FedEx and suffered a broken arm and a concussion after you were hit by a coworker who lost control of a forklift, this injury obviously has nothing to do with your substance use. However, if you were the one driving the forklift, you’d need to prove that you lost control due to a factor other than drug-related impairment.

    Barring the presence of a failed drug test, fault or negligence aren’t factors in determining eligibility for workers’ compensation benefits. If you had no illegal drugs in your system, you aren’t required to prove your employer was negligent in creating an unsafe work environment or that your own conduct didn’t cause the accident.

    How Can an Attorney Protect My Right to Compensation?

    You’re not required to retain an attorney to receive workers’ compensation benefits, but having an advocate on your side can be particularly helpful when you’re worried about how a failed drug test will affect your claim.

    Your attorney can gather evidence to establish that your injuries weren’t caused by illegal drug use, including witness testimony, medical records, or surveillance footage. If appropriate, your attorney could also challenge the legitimacy of the drug test itself, such as questioning whether the proper chain of custody was followed for the urine sample you provided.

    The legal team at Rechtman & Spevak is committed to helping Georgia residents receive the workers’ compensation benefits they need to recover from their injuries. Call today to schedule a free, no-obligation case review.

     

  • What are my options if my employer doesn’t offer workers’ compensation insurance coverage?

    A worker is shocked to learn that her employer will not cover her work-related injuryGeorgia law requires all employers with three or more employees to provide workers’ compensation coverage for their employees. If your employer violates this law by not having the required insurance, this does not affect your right to benefits.

    What Penalties Are Associated With Violating the State's Workers' Compensation Law?

    An employer who fails to provide the appropriate workers' compensation coverage will still be held responsible for an employee's on-the-job injuries. Types of benefits the employer may be responsible for paying include:

    • Medical benefits: An employer must pay for all necessary medical care related to the employee’s on-the-job injury, including emergency visits, follow-up appointments, physical therapy, and care from qualified medical specialists. Medical benefits have a 400-week cap, unless the injury is catastrophic. Catastrophic injuries are entitled to lifetime medical benefits.
       
    • Temporary Total Disability (TTD): When an employee is unable to work while recovering from an on-the-job injury, TTD benefits replace lost income, up to the state maximum of $575 per week. TTD benefits pay up to two-thirds of your average weekly wage before your accident. They are subject to a 400-week maximum, except for catastrophic injuries, which are payable for the rest of the injured worker's life.
       
    • Temporary Partial Disability (TPD): If an injured worker is able to return to light duty or part time work and is earning less than before the injury, TPD benefits provide compensation for up to two-thirds of the difference in wages, up to a maximum of $383 per week. TPD benefits can't be collected for longer than 350 weeks from the date of the injury.
       
    • Permanent Partial Disability (PPD): When a worker suffers injuries that lead to permanent impairment, PPD benefits are paid at the same rate as TTD benefits. The number of weeks a worker can receive benefits is based on the specific body part that is injured.
       
    • Death benefits: When a worker suffers fatal injuries, death benefits are paid to the worker's spouse and children to cover burial expenses and provide funds to compensate for the deceased worker’s loss of income.

    In addition to these required benefits, the Georgia State Board of Workers' Compensation may assess penalties for refusing or willfully neglecting to secure insurance. This includes attorney’s fees, civil penalties, and a 10% increase in compensation to the employee.

    What If the Law Doesn't Apply to My Employer?

    If this workers’ compensation law does not apply to your employer (less than three employees) and you are injured in an on-the-job accident, you may have grounds to file a personal injury claim against the negligent party.

    A personal injury claim allows you to seek compensation for:

    • Medical expenses: The bulk of a personal injury settlement is typically compensation for medical expenses, including previously incurred medical expenses as well as any estimated future medical care necessary for injuries resulting in lasting disability.
       
    • Lost wages: Compensation for lost wages includes time off to recover and any estimated loss of future earning potential if your injuries result in lasting physical or mental disability.
       
    • Pain and suffering: Pain and suffering isn’t a recoverable element of damages in a workers’ compensation claim, but can be included in personal injury suits to cover both the physical pain and emotional trauma associated with your injuries.

    Unlike workers' compensation cases, a personal injury claim requires that the injured party prove negligence. Without evidence to prove that the employer failed to take reasonable care to prevent injuries, no compensation can be awarded.

    How Can I Best Protect My Legal Rights?

    If you've suffered an on-the-job injury, retaining the services of an experienced attorney will help protect your right to compensation. When your employer doesn't have the legally required workers' compensation coverage or is exempt from workers' compensation laws, your case will involve complex issues that are difficult to handle without an advocate on your side.

    Rechtman & Spevak's legal team is committed to helping employees of Home Depot, United Parcel Service, FedEx, Delta Airlines, Emory University/Emory Healthcare, Kroger, Publix, Northside Hospital, Piedmont Healthcare, Walmart, Lowes, Waffle House, Chick-fil-A, Randstad, and other Georgia businesses receive prompt and fair compensation for their injuries. Call today to schedule a free, no-obligation case review.
     

     

  • How do I notify my employer of a work-related injury?

    Filling out a work injury claim formWorkers’ compensation laws in Georgia require injured workers to provide their employers with prompt notice of work injuries. The statute says that if you sustain a workplace injury, you must report that injury to your employer within 30 days. This 30-day notice provision was included in Georgia’s workers’ compensation law so that employers can conduct an investigation of an injury claim while reliable evidence is still available.

    Regardless of the 30-day deadline, it’s best to report your injury immediately. You can make the report to your employer’s representative, your foreman, or your immediate supervisor.

    Information Included in a Work Accident Report

    Many employers have their own company-specific claim forms that they use to begin the workers’ compensation process. However, there is no requirement in the law that notice be in writing.

    When you report a workplace injury, you should provide as much detail as you can regarding the following:

    • Date and time of the incident.
    • Your location when the incident occurred.
    • What you were doing when the incident occurred.
    • Immediate symptoms you noticed that indicated you were hurt.
    • Specific body parts that are affected.
    • Any coworkers, supervisors, or others who witnessed the incident.

    If you do complete a written accident form for your employer, it is a good idea to make a copy of the form for your own records.

    Penalty for Failing to Report Your Accident

    Failing to abide by the 30-day deadline for providing a notice of injury may result in your workers’ compensation being denied by your employer and its insurer. If this occurs, you may lose your right to medical treatment and income benefits.

    Investigating the Incident

    After you’ve provided notice of your accident to your employer, your claim will be investigated. The investigation will look at how and why your injuries occurred, in addition to seeing if new policies or procedures should be implemented to make your workplace safer.

    Your own actions in regards to the incident generally aren’t relevant to your ability to receive compensation for your work injury.  However, your claim may properly be denied if the injury was due to your willful misconduct.  Willful misconduct encompasses horseplay, intentional self-inflicted injury, being injured while attempting to injure someone else, and the willful failure or refusal to use a safety appliance or perform a duty required under the law.  Your claim may also be denied if you were under the influence of drugs or alcohol while on the job, as revealed by a properly administered post-accident drug test. Injuries that were caused by inattentiveness or carelessness are fully covered under workers’ compensation law, but you may be subject to any applicable company disciplinary measures if you violated specific workplace safety rules.

    Seeking Medical Treatment

    Seeking medical treatment for a workplace injury is a little different than being treated for other health conditions. All non-emergency medical care related to a workers’ compensation claim should be provided through a doctor on the employer’s panel of physicians. Your employer will allow you to choose a doctor from the panel of physicians to serve as your care provider. If necessary, he will refer to you an approved specialist for further evaluation.

    If your employer fails to maintain a posted panel of physicians, the injured worker has the right to choose their own doctor. Despite this right, many employers will at least initially refuse to authorize your choice, and will insist that you treat with "the company doctor." If that happens, you should consult a workers' compensation attorney right away for guidance.  

    Failing to comply with the doctor’s treatment recommendations may jeopardize your right to benefits. If you disagree with your doctor regarding the severity of your injuries or the appropriate course of treatment, you are entitled to one free change to another doctor on the panel of physicians. An independent medical examination (IME) may also be an option to obtain a second opinion in some cases.

    Protecting Your Legal Right to Benefits

    Workers’ compensation law can be quite complex. Without experienced legal representation, it may be difficult for you to maximize your benefits on your claim. Retaining an attorney at an early stage in your case will allow you to fully focus on your recovery with confidence that you’ll receive the highest possible benefits.

    Rechtman & Spevak’s attorneys have extensive experience helping injured Georgia workers process their workers’ compensation claims in a timely fashion. Our firm has assisted employees of Home Depot, United Parcel Service, FedEx, Delta Airlines, Emory University/Emory Healthcare, Kroger, Publix, Northside Hospital, Piedmont Healthcare, Walmart, Lowes, Waffle House, Chick-fil-A, Randstad, and many other local businesses in accessing their benefits. Please call today to schedule a free, no-obligation initial case review.
     

     

  • Can I choose my own doctor to treat my work-related injury?

    When you are injured in a workplace accident, your employer is required to provide you with the necessary medical care. Unfortunately, workers’ compensation claims have certain limitations—including restrictions on which doctor you can see for your treatment.

    Receiving Emergency Medical Treatment

    An employee with serious or life threatening injuries requiring immediate medical care may seek out treatment at the nearest emergency room. Workers’ compensation insurance is required to pay for the cost of any emergency care related to an on-the-job injury, including diagnostic testing and emergency surgical procedures.

    Seeking Treatment From the Panel of Physicians

    Once your condition has been stabilized or if your injuries did not require emergency medical care, your employer is supposed to provide you with a list of physicians. The list is called a panel of physicians and should include six or more doctors, with at least one orthopedic surgeon and at least one minority doctor and no more than two industrial clinics. In most cases, all providers should be within 50 miles of the job site.  

    The doctor that you choose from this panel is called an “authorized treating physician” (ATP). This doctor may provide you with medical treatment for up to 400 weeks following your accident (unless your claim is deemed catastrophic, in which case you will be entitled to medical benefits for the rest of your life). If your condition isn’t one that can be treated by your ATP, he or she may refer to you a specialist for further evaluation and treatment.

    You will not need to pay any of the cost of your medical care, including any medications prescribed by your treating physicians, since all treatment from an ATP or referred specialist is fully covered under your workers’ compensation benefits. In addition, you are also entitled to be reimbursed for your mileage and other travel expenses.  

    Making a Change to Your Medical Care

    If you are dissatisfied with the treatment you are receiving from your ATP, you are allowed to make a one-time change to another doctor on the panel of physicians without receiving prior approval. In certain situations, you are allowed to seek an opinion from a physician of your choosing as an independent medical examination (IME). 

    Using Your Own Health Insurance Benefits

    You may think it would be better to use your own health insurance or pay out-of-pocket, and just have your regular family doctor handle your medical care. Unfortunately, choosing to do this could jeopardize your case. If you do not treat with a panel physician, your employer and its workers' compensation insurer do not have to follow the recommendations of the unauthorized physician, and most likely will refuse to pay you income benefits based on any disability documentation that you obtain from your family doctor.  

    If your claim is denied in whole or in part, or if your employer does not have a properly posted panel of physicians, you are technically able to choose your own doctor. However, this issue should be discussed in greater detail with your attorney.

    Protecting Your Legal Rights

    Georgia laws regarding workers’ compensation benefits can be quite complex. To protect yourself, you should strongly consider hiring an experienced attorney who can advocate for your right to benefits.

    Rechtman & Spevak is dedicated to helping workers who’ve been hurt on the job receive the benefits they need to move forward with their lives. We’ve assisted employees of Home Depot, United Parcel Service, FedEx, Delta Airlines, Emory University/Emory Healthcare, Kroger, Publix, Northside Hospital, Piedmont Healthcare, Walmart, Lowes, Waffle House, Chick-fil-A, Randstad, and many other local businesses in resolving their workers’ compensation claims. Call today to schedule a free, no-obligation consultation.
     

  • How long can I wait to file my workers’ compensation claim?

    Paying close attention to state deadlines is crucial in ensuring that you're able to maximize your workers' compensation benefits. Under Georgia workers' compensation law, an injured worker has one year from the date of the accident to file a notice with the State Board of Workers' Compensation. However, if your employer has provided medical treatment for your workplace injury, this deadline may be extended.

    Reporting a Workplace Injury to Your Employer

    Ideally, an injury should be reported immediately after it happens. This helps guarantee that evidence is preserved to support your claim and that you receive the medical care you need. You can notify your employer orally or in writing, although written documentation is preferable as a way to build a paper trail for your case.

    Of course, not all injuries can be reported immediately. Although cuts and broken bones from a fall leave no doubt as to the fact that a worker has been hurt, injuries such as sprains and strains are less apparent. For this reason, Georgia law allows you 30 days to provide initial notice to your employer. If you fail to report the injury within this timeframe, you risk losing your right to benefits.

    When you notify your employer of your injury, you'll be asked when the accident happened, what caused you to hurt yourself, and what symptoms you are experiencing. You may also be asked if anyone witnessed the incident who can be called upon to support your statement. Be as accurate as possible in completing your report, but avoid unfounded speculation.

    After your injury has been reported, your employer should provide you with a list of doctors that you can choose from for any necessary medical treatment. Instead of seeing your regular doctor, you'll need to obtain treatment for your work-related injury from one of the providers listed on your employer's panel of physicians

    At this time, your employer should also contact its workers' compensation insurance company to open a claim regarding your work accident. If your claim is approved, you may be entitled to Temporary Total Disability (TTD) or Temporary Partial Disability (TPD) benefits. 

    Filing a Workers' Compensation Claim

    It's a common misconception that reporting a workplace injury is the same as filing a workers' compensation claim. Your employer's workers' compensation insurer may begin providing you with medical treatment immediately, but that is not the same as filing notice with the state.

    A formal claim isn't filed until you submit a Notice of Claim (Form WC-14) to the State Board of Workers' Compensation. A copy of this form must also be submitted to your employer and your employer’s workers’ compensation insurance company. Submitting this form in a timely fashion is a crucial step in protecting your legal right to benefits.

    You have one year from the date of the accident or the date you last received medical treatment provided by your employer or its insurer within which you may file a Notice of Claim if you did not receive any weekly income payments. 

    Paying close attention to the statute of limitations for your workers' compensation claim is vital. If you miss the deadline that applies to your case, the Georgia State Board of Workers' Compensation will have no legal jurisdiction to review your claim.

    Obtaining Legal Representation

    The deadlines and documentation requirements for Georgia workers' compensation benefits may seem overwhelming when you're struggling to recover from an on-the-job injury. Retaining skilled legal representation is the best way to make sure that your claim is handled in a timely manner.

    Please contact the legal team at Rechtman & Spevak for a free, no-obligation case review. We are committed to helping employees of FedEx, Delta Airlines, Emory University/Emory Healthcare, Kroger, Publix, Northside Hospital, Piedmont Healthcare, Walmart, Lowes, Waffle House, Chick-fil-A, Randstad, and other local businesses receive the compensation they need to move forward with their lives after a workplace injury.

     

  • Does workers’ compensation reimburse me for mileage and other travel expenses?

    The workers’ compensation program in Georgia may reimburse you for mileage and other reasonable travel expensesWhile most people know that injured workers are entitled to compensation for the cost of their medical care, many people don’t realize that mileage and other travel expenses can also be reimbursed under the state’s workers’ compensation law. Including these expenses as part of your workers’ compensation claim can help alleviate some of the financial strain associated with your injury and inability to work.

    Reimbursable Travel Expenses According to State Board of Workers’ Compensation

    Reimbursable travel expenses fall into a few distinct categories:

    • Mileage: Workers who are injured on the job can receive mileage reimbursement for the cost of traveling between their home and any necessary doctor’s appointments or physical therapy appointments. Travel to a pharmacy to pick up prescriptions related to the injury is also reimbursable. Mileage is currently reimbursed at 40 cents per mile.
    • Professional transportation services: If you have no other way to attend your necessary medical appointments, you may be entitled to reimbursement for the services of a medical transportation company. The insurer may arrange for such transportation at its own expense. In some cases, taxi service may also be reimbursable as a form of transportation to your necessary appointments.  
    • Parking: Parking is considered a reimbursable expense if it’s related to your need to seek medical treatment.
    • Meals and lodging: If you are required to travel beyond your home city and will spend four hours or more on the road, you are allowed to recover the cost of your meals and lodging. However, reimbursement for meals is limited to a maximum of $30 per day.

    Documenting Travel Expenses

    Reimbursement for travel expenses is available to anyone who is eligible to receive workers’ compensation benefits. This includes both full-time and part-time employees, as well as most temporary or seasonal workers regardless of the length of time they’ve been working for their current employer.

    There is no official form that is used to document travel expenses for workers’ compensation reimbursement, but you might find the following Medical Mileage Reimbursement Form helpful. When you are seeking reimbursement for mileage, you should prepare the same type of record you’d use to deduct mileage on your income taxes. Keep a log documenting:

    • Date and time of the trip.
    • Purpose of the trip.
    • The places you visited for medical purposes.
    • Your start and end mileage according to your vehicle’s odometer.

    If you purchased gas for your vehicle while traveling, save your receipts to support your mileage log claim. If you’re seeking reimbursement for meals and lodging, keep these receipts as well. 

    Receiving Reimbursement

    You must submit your request for reimbursement within one year of the date the treatment took place. The workers’ compensation insurer has 15 days to provide reimbursement after you’ve submitted documentation of mileage, meals, and lodging. If the insurer doesn’t pay within this timeframe, it can be subject to a late penalty.

    Download FREE Medical Mileage Reimbursment Form

    Maximizing Your Available Compensation

    When you’re injured and facing the stress of being unable to work, taking the time to document your travel expenses might seem like an unnecessary hassle. However, if you’re going to several doctors’ appointments each week or live usually far from your healthcare provider, these expenses can quickly add up. To protect your financial future, you need to do everything in your power to maximize your workers’ compensation benefits.

    If you’re struggling to receive payment for a work-related injury, hiring an attorney with experience in workers’ compensation claims will allow you to focus on your recovery without the hassle of dealing with the insurance company directly. The legal team at Rechtman & Spevak is committed to helping injured Georgia workers receive the compensation they need to move forward with their lives. Please call today to schedule a free, no-obligation case review.