When someone is injured at work, it can feel as though there are a thousand questions that suddenly need answers.
First and foremost, most people tend to worry about how they'll pay their rent or mortgage, feed their families, and continue paying for their primary living expenses. If they can't work, where will the money come from?
Many people in Montana live paycheck to paycheck, and missing work due to an injury just isn't something they can afford. That's where workers' compensation comes in.
There's a general awareness in society about workers' compensation laws, but those regulations are specific to each state. At its most basic level, workers' compensation is a form of insurance to provide wage replacement and medical benefits for workers who are injured at work.
Here in Montana, workers' compensation cases are on the rise. According to the Workers' Compensation Court in Helena, there were 288 workers' compensation petitions received in 2018, up from 243 in 2017 and 208 in 2016.
- Has a claim already been filed? In Montana, there's a 30-day window to file most claims.
- What happened, and when did it happen?
- Are you getting paid wage-loss benefits?
- Are they authorizing and paying for medical treatment to address injuries?
- What does your doctor say about treatment and timelines?