Missing your weekly paycheck can really hurt after a workplace injury. While workers’ compensation is there to make rehabilitation possible, the amount the insurance company awards you up front may not always be there for you.
The maximum compensation available in Pennsylvania is around $1,000 each week. How much you receive will come down to how much you were making, your level of disability and your ability to continue working. The assistance you get right off the bat may be enough to live on during your rehabilitation, but it may not stay that way for long.
A second opinion
There are a few times where the insurer might look to change your payments:
- Modification: Your payments may be up for an adjustment if your disability status is different from when your doctor first submitted a diagnosis. If your impairment rating sees a change or a vocational expert suggests your earning power is different, you may be looking at a shift in payments.
- Suspension: There are cases where the insurance company will try to put your benefits on hold. Your payments may be at risk if you fail to keep up with important paperwork, you return to work in any form or you refuse to work even after a doctor says you’re able.
- Termination: Your benefits might be on the line when the insurance company thinks you’ve made a full recovery from your injury. When they come up with this idea, they’ll want to have a doctor to take a look at you, at an independent medical examination (IME). The doctor will then render an opinion on your progress.
Getting the money you need to get back on feet isn’t always an easy process. And just because the insurance company clears you for the full amount, doesn’t mean you’ll receive that amount as long as you think.