What is Workers’ Compensation?
Workers’ Compensation is an insurance program that provides compensation for disability, as well as medical and rehabilitation benefits for employees who are injured on the job. While there are a few exceptions, in general every employee hired in Oklahoma or injured in Oklahoma is covered. Workers’ Compensation is a “no-fault” system, meaning fault for the accident is not relevant to eligibility for benefits. Every worker has a right to benefits for a compensable injury.
If you are injured on the job these are the basic benefits you are entitled to under Oklahoma’s Workers’ Compensation Law:
- Medical Care
Your employer is required to cover all costs of medical treatment that is found to be reasonable and necessary. Your initial physician will be chosen by your employer but we can ask the judge for a new doctor at any time.
Your employer will also be responsible for any prescription expenses, as well as travel expenses to and from medical appointments, as long as the trip is over 20 miles.
- Temporary Total Disability (TTD)
If your treating physician determines that you are unable to perform your normal job and has you under active medical care, you are entitled to weekly TTD benefits. This rate is based on your accident date and will be 70% of your average weekly wage.
You may be entitled to TTD for as long as 156 weeks if surgery is recommended.
- Permanent Total Disability (PTD)
In the event that the treating physician declares that you are permanently and totally disabled (PTD), you can draw 70% of your average weekly wage, until you reach the age of 65 or for a minimum of 15 years.
- Permanent Partial Disability (PPD)
If the treating physician finds you to be less that permanently and totally disabled, your PPD benefits will be based on percentage evaluation reports from our expert doctor and the insurance company’s doctor. To date, the maximum benefits for PPD is $350 per week.
- Vocational Rehabilitation
The Judge may order your employer to retrain you for an occupation that will accommodate your permanent work restrictions, if you are unable to return to work.
If a worker dies while on the job a spouse and/or children can recover up to $150,000.00 in a lump sum and weekly benefits to replace the lost income in the family.
These are YOUR benefits! Don’t leave them on the table. Call the Bell Law Firm today.