05/05/2021
THREE QUESTIONS OFTEN ASKED FOLLOWING A WORK INJURY:
1. Do I have to treat with the doctors my employer is sending me to for my work injury? The answer is “yes” only if:
- The employer has a Panel List of at least 6 health care providers from which you can choose
- If the list of doctors is posted
- The Employer provides you with a written notice of your rights and obligations for treatment of a work injury. This list must be provided to you at the time of hire or shortly following the work injury.
If your employer does not have a panel list that has been posted and provided to you, and If the employer has not asked you to sign an acknowledgment of your rights, then you have the right to treat with a doctor of your own choosing. If the employer has followed the rules, then you are obligated to treat with the “panel” doctor for 90 days.
Note that If a panel doctor refers you to a doctor who is not on the list of panel doctors (even your own doctor) you can treat with that doctor. Also, you can always see your own doctor for a work-related injury during the first ninety days if you are willing to pay for it yourself.
2. When Do I get paid workers’ compensation:
• If you are off work 7 days or less, you get no compensation for your absence from work.
• If you are off work 14 days or less you get paid compensation beginning on day 8.
• If you are off work more than 14 days, you get paid all the way back to the first day that you missed.
• These days do not need to be consecutive. If you are missing work sporadically following an injury, and none of the periods of time that you are off work involve more than seven straight days but add up to more than seven total days, you begin to be eligible for workers compensation benefits as of the eighth day that you miss work.
3. Do I have to use my sick and personal days before I can collect workers compensation benefits.?
No, you are not required to use your sick and personal days prior to being eligible for workers compensation benefits. However, there are a few things to keep in mind when it comes to the use of sick days in the context of a work injury:
• If you miss less than 7 days for the work injury, there will be no workers compensation benefits paid. As such, you may choose to use sick or personal days for that time off. Remember, however, if you would later miss more work and become eligible for workers compensation payments for those first 7 days, you are still entitled to receive workers compensation benefits in addition to the sick or personal days that you have already received.
• The workers compensation insurance carriers has 21 days to decide whether or not to accept or deny your claim. They often take that much time (or more) to make a decision. During the time that you are waiting for your workers compensation claim to be decided, you may once again choose to use sick or personal days so that you are not going without any pay during that period of time.
• If you have used sick or personal days and later your workers compensation claim is accepted, what happens with your sick or personal time then can vary, usually depending upon whether there is a collective bargaining agreement or established policy that addresses this issue where you work. If there is nothing that says otherwise, you can choose to keep both the pay that you received for the sick and personal days as well as the workers compensation benefits for those same days. If you are required to “buy back” the sick and personal days, there will usually be an established procedure for doing so. However, your employer does not have to let you buy back these days, unless the collective bargaining agreement or past practice establishes that you do have the right to buy the days once the workers compensation benefits are awarded.