Workers’ compensation is an insurance program paid for by employers. It provides benefits to employees who suffer work-related injuries or illnesses. These benefits include medical treatment, rehabilitation services and a portion of lost wages. If a worker dies due to a job-related injury, their dependents may also receive benefits.
Unlike a personal injury claim in which the victims prove negligence, workers’ compensation is a no-fault system in which employees receive benefits for work-related injuries without proving employer negligence.
Who gets covered?
In Georgia, any business with three or more employees, including part-time workers, must have workers’ compensation insurance. Coverage starts on the first day of employment.
Reporting an injury
If you get injured at work, it’s important to report the accident to your employer immediately. You should inform your boss, foreman or supervisor. If you wait more than 30 days, you might lose your right to benefits.
Choosing a doctor
Employers must provide a list of approved doctors, which is called a “panel of physicians” and must include at least six doctors, one of whom is an orthopedic specialist. You can choose any doctor from this list for your treatment. If your employer uses a Workers’ Compensation Managed Care Organization (WC/MCO), they will provide you with a list of approved medical providers and a 24-hour toll-free number to help you schedule appointments.
Benefits provided
Workers’ compensation benefits in Georgia include:
- Medical benefits: All necessary medical treatment related to the injury, including doctor visits, hospital stays, physical therapy and medications.
- Income benefits: You may receive income benefits if you cannot work for more than seven days. These benefits are typically two-thirds of your average weekly wage, up to a maximum amount that is currently $725.
- Rehabilitation benefits: Services to help you return to work, such as physical therapy and vocational training.
- Death benefits: If a worker dies due to a job-related injury, their dependents may receive benefits to cover funeral expenses and a portion of the worker’s lost wages.
Filing a claim
To file a workers’ compensation claim in Georgia, you need to complete a form called WC-14 and submit it to the State Board of Workers’ Compensation. You must also send a copy of the form to your employer and their insurance carrier.
Do you still have questions?
By understanding how the system works, employees can better navigate the process and secure the benefits. If you have more questions or need assistance, you can visit the Georgia State Board of Workers’ Compensation website or contact a law firm that handles worker’s compensation claims applications and appeals.