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Worker's Compensation

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Potential Workers’ Comp.-Related Issue: Police Officer Crashes After Swerving to Avoid Truck in DeKalb County

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What is Workers’ Compensation Insurance, and Why is It Important?

Workers’ compensation insurance is provided by the employer for employees who may become injured while at work and in the course and scope of employment. Workers’ comp. insurance may be provided as "self-insured," meaning the company provides its own insurance or it is provided by a private insurance carrier. In some instances waivers are permitted. For example, employers with less than three employees are exempt from the state’s workers’ compensation act. Injured employees are allowed full medical benefits and the right to choose their physician from a posted panel of physicians as provided by the employer. In the event the authorized treating physician has instructed the injured employee to remain out of work, the injured worker may be entitled to monetary benefits. These benefits are made payable to the injured worker weekly. The rate of pay is two-thirds of the average weekly wage using the thirteen weeks prior to the date of injury. These benefits are called temporary total disability benefits. In other instances an injured employee may be entitled to permanent partial disability benefits and, if the employee has returned to work with restrictions, less pay, or less hours, he may be entitled to temporary partial disability benefits along with his weekly check. If the injury results in the death of the employee, the surviving spouse and children may be entitled to benefits as well.

Murphy & Associates handles many workers’ compensation claims. We provide a free consultation and if needed can represent you in order for you to receive maximum benefits, which you are entitled. Please feel free to call 770-577-3020 for a free consultation regarding your work-related injury.

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