Published On: Thu, Jan 28th, 2021

Understanding Workers Comp & MMI

When people get injured in the workplace, they are usually surprised to know that it’s a commonplace situation.  

Workplace injuries are when more prevalent in dangerous work settings. The Bureau of Labor Statistics shows that nearly three million Americans report being injured at the workplace or while conducting business for the company in a year.  

Understanding Workers Comp & MMI

Certainly, numerous people want to know who they should report to in the event they should get hurt on the job and what will happen to them going forward. 

One of the main questions is whether they’ll get paid, a situation that has forced many people to not report that they’ve been injured.  

If you’re still reading this article, then you are concerned for yourself or someone you know and should read on to learn about workers’ compensation and maximum medical improvement (MMI). 

What Exactly is Workers Compensation?

Picture yourself getting sick or injured while at work; well workers’ compensation is the insurance or security for the employer and worker to guarantee they still collect their pay. 

This insurance coverage will help with medical expenses you might have in addition to covering your wages since you’ve missed out on work.  

Several benefits come with workers’ compensation, and it is a method that must be employed if you are hurt or get ill because of an event related to your job.  

How Soon Do You Have To Report an Illness?

Should you get sick, you do have some time to inform your employer as well as file a claim. You have a month to sixty-five days to notify your employer based on the seriousness of your circumstance. 

You also have up to a year after you’ve sustained an injury,  to submit your worker’s comp file to your employer.

In the event you miss the 65-day window to file your report, it is incumbent on you to prove that the company should have been aware of your situation.

File a claim

There’s not much to do as an employee, regarding filing a workers compensation claim. You merely contact the human resource representative and complete the mandatory paperwork.

HR will then submit the file in less than a week to the insurance company.

Workers’ compensation handles medical expenses, missed wages, injury reimbursement, and work injury lawsuits. Your state determines if your company has to offer workers comp.  

If you sustained injuries due to being intoxicated, using drugs, made a claim after being laid off or fired, workers’ compensation will not compensate you.

What is MMI?

MMI is the juncture that you reach in your medical therapy where the doctor concludes that you have recovered to your full capacity or an acceptable functional level.

If your physician deduced that you’re fair enough to return to your job, the doctor will furnish your employer with a list of constraints, virtually telling them what you are capable of doing and what you cannot do. 

Sometimes a situation will deem a person unfit to go back to work, but it solely relies on the harshness of the injury and what your physician believes is best for you.

Finally, workers’ comp is crucial and incredibly useful during tough times where you miss work because of a work-related trauma or even sicknesses. 

It gives you a further tier of assurance realizing that you’ll be reimbursed for your time missed and you’ll have most of your medical invoices covered. 

It is important to advise your employer of the trauma within the applicable time so you obtain all reasonable privileges. It is also vital to stop by a doctor for your sufferings so you can get all the valid paperwork and get to understand what your MMI time might be. This enables your employer to comprehend your restrictions due to your injury.