In Georgia, the law requires a business with three or more employees to carry workers’ compensation insurance.
Workers’ Compensation insurance is a program that provides monetary relief to people who were injured or became sick while performing tasks that fit within their job duties. Employees are automatically covered by the insurance beginning their first day of work. The monetary relief goes towards paying any and all hospital bills, physical therapy, and medication that is required as a result of the injury you incurred while on the job. If you were injured while performing job tasks that were not assigned to you or while on break, it is unlikely that you will be covered by the insurance.
You are entitled to weekly income benefits if you were unable to work at least 7 days following your accident. The amount of the benefit is typically 2/3 of your average weekly pay but will not exceed an amount of $525 per week.
Payment for medical treatment is limited to a maximum period of 400 weeks from the date of the accident.
If your injury was so severe that after a recovery period you are unable to hold the same job as you had and your new job pays less, workers compensation will pay a sum of up to $350 per week for a maximum of 350 weeks from the date that the injury occurred.
If your injury was so severe that you are permanently disabled as a result, workers’ compensation will pay you a weekly sum of money. The amount of money to be paid is dependent upon an authorized doctor’s opinion of how serious of a disability the work accident caused.
If you sustained an injury while performing work-related tasks, it is important that you notify your employer immediately. Documentation and proof of injury is extremely important in workers’ compensation claims. Notifying your employer will begin the process of gathering proof that you were injured and that the injury was work-related. If co-workers were present for your injury, be certain to bring their presence to your employer’s attention.
After you report your injury to your employer, you have 1 year from the occurrence of your injury to file a workers’ compensation claim for benefits.
After you report the injury to your employer, an investigation will likely take place which will look into how and why your accident occurred and who was at fault. Further, the results of the investigation will go a long way towards making improvements to the workplace conditions so such an accident is prevented in the future.
If your workers’ compensation claim is ultimately denied, it is still possible to receive benefits. Upon receiving the notice of denial, you are then able to request a hearing in front of the State Board of Workers’ Compensation within one year of the date that the injury occurred. Once in front of the board, you will be able to discuss why you disagree with their decision.