5 Things You MUST Know After a Workplace Injury | Workers’ Comp Chiropractor in Sun Prairie, WI
Hi, I’m Dr. Steph Pinnow with Noble Choice Chiropractic here in Sun Prairie, Wisconsin with five things that you need to know if you were in a work accident in the state of Wisconsin.
These are Important After a Work Place Injury
Number one, the insurance carrier will pay for any reasonable and what they call necessary medical expenses, meaning that if you have a low back injury that occurred when you were at work, your insurance carrier or the employer’s insurance carrier will pay for any sort of care treatment to that low back area. It also means if you have like a bad shoulder from an old football injury, they’re not going to pay for that, that’s going to be your responsibility.
Number two, if you are due any sort of compensation from in terms of benefits for lost time at work, you should generally receive a check from the employer’s insurance carrier at around day 14 after your injury or illness.
Number three, there is a waiting period in Wisconsin. So in Wisconsin, there’s a three day waiting period for compensation. That does include Saturday, and maybe Sunday if you aren’t normally working on Sundays. So what happens is, they will not pay for the first three days, if you are off less than seven days from work. So those three days are just gone. If you are injured and it’s lasting more than seven days, then they will go back and pay those first three days retroactively.
Number four, so once you have a claim that it is established as a work comp claim, it actually will remain open for six years from the date of injury, this is in Wisconsin, just a note, make sure that you are saving, it’s recommend that you save your medical records and any sort of payment they might have had to make or payment from the carrier for at least 12 years. So that’s a long time, make sure you are keeping track of that.
Number five, the last one is that work comp, you know for most cases, as long as it’s approved asa claim. Most times work comp claims will cover everything in terms of care. So if you’re coming in as a chiropractic patient from a work injury, usually it’s of no cost to you. I will tell you though, and this is from experience that typically insurance carriers have this like mental date of three months from the date of injury where they think that you should be healed, which is very difficult. If it’s a soft tissue injury, those typically take a lot longer than three months to heal. So around that time is when they’ll want to start cutting you off from care. That’s why it’s really important that you do come in immediately after work comp injury because that will start to keep now. And if you have a claim that you know you’re not healed after three months, or you’re not back to what we call maximum medical improvement, then that’s where you need to start looking at different attorneys and such but the nice thing is we’ve had a lot of training in personal injury. We’ve seen a lot of cases over the years and we are able to help you navigate this pretty difficult process.
So I hope you learned five things that you need to know about workers’ comp injury here in Wisconsin. Thank you!