Despite all the advancements and regulation with workplace safety, hardworking residents in our City of Glass sustain injuries on the job each and every day. In fact, over 121,000 workers were hurt on the job or sustained an occupational illness in 2014 in the state of Ohio alone, according the Bureau of Labor Statistics (BLS). More than half of these cases were serious enough to cause employees to miss days at work or warrant job restrictions or transfers.
If you were hurt on the job in Toledo, you are likely entitled to workers’ compensation benefits, provided by your employer’s insurance company. To learn exactly what types of benefits you are eligible for and for help with the claims process, call a workers’ compensation attorney at Gallon, Takacs, Boissoneault & Schaffer Co., L.P.A. for a free consultation: 419-843-6663.
The workers in the manufacturing, agriculture, and healthcare industry, a few of Toledo’s primary sectors, are susceptible to a vast number of on-the-job hazards. To name just a few: chemical exposure in glass and plastic factories, pesticide exposure, heavy lifting, repetitive tasks, dangerous drug and x-ray exposure, fire hazards, heavy equipment, power tools, heat exposure, and working in silos.
Ohio state law requires employers to pay workers’ compensation benefits to any employees that are hurt on the job. How the accident occurred, whose fault it was, and what type of injury it is makes no difference. Most workers are eligible for workers’ compensation, irrespective of the nature of their injuries or illnesses. Any injury from a traumatic brain injury to a sprained back is covered.
The primary qualifying factors for workers’ compensation are very straightforward. So long as the following four elements are true, you should qualify for benefits:
Workers’ compensation benefits provide you with basic provisions to keep you afloat until you are able to return to work. They also provide benefits to family members when their loved ones die as result of a workplace injury or illness. You may qualify for any of the following three types of workers’ compensation benefits:
Workers’ compensation insurance will cover all of your reasonable and necessary medical bills. This includes hospitalization, treatments, follow-ups, medical devices and aides, and physical therapy.
You can receive wage replacement benefits, if you:
“For the first 12 weeks of missed work, you receive 72 percent of your full weekly wage. After 12 weeks of missed work, you receive temporary total compensation at the rate of 66.67 percent of your average weekly wage,” explains the Bureau of Workers’ Compensation (BWC).
There are actually various categories of income benefits available, which may or may not be applicable in your case. Much depends on the nature of the injury. You can learn more by visiting the BWC’s Compensation Types page, or by calling our firm at 419-843-6663.
Dependants of a deceased worker can also receive income benefits if the worker dies. BWC calculates death benefits at two-thirds of the deceased’s average weekly wages. When there is more than one wholly dependent survivor, “dependent death benefits will be based on the level of dependency or support each dependent had while the worker was living,” states the BWC.
If ever you are injured while on the job, there are a few simple steps you must take in order to secure your rights to benefits.
Within a few weeks of submitting the claim, you will receive an initial notification letter from and a BWC identification card that has your claim number on it, as well as the name and phone number of your MCO. Keep these documents for reference.
While not mandatory, it is highly advised to have a legal professional assist you with your case. Not every workers’ compensation case is cut-and-dry or quickly accepted.
You might run into glitches or even face a claim denial. An attorney can help you file the claim, gather and present valid evidence that substantiates your case, and handle any challenges that your employer, insurer, or BWC presents. If your employer denies, improperly calculates, or prematurely shuts off your benefits, having an attorney could prove invaluable because they will be on the ready to address the issue and appeal the claim or find a resolution.
For help from a workers’ compensation attorney in Toledo, contact Gallon, Takacs, Boissoneault & Schaffer Co., L.P.A. today and schedule a free, no-obligation consultation: 419-843-6663.