Should the unthinkable occur and you end up being injured while at work, workers’ compensation will pay your medical expenses and may also provide a cash settlement to cover your other living expenses if you are temporarily or permanently disabled. Of course, the laws concerning these workers’ compensation cases vary from state to state so it’s important that you know what the law is in the state where you live in case you are injured on the job. If you’re seeking a workers’ comp settlement in the state of Vermont and are wanting to do some preliminary research before contacting a workers’ compensation attorney, the following should give you at least an idea of how the workers’ comp system works.
In Vermont, workers’ compensation is overseen by the Commissioner of Labor and Industry and the Office of the Commissioner, both of which serve as a part of the Department of Labor. The Commissioner’s office sets the authorization requirements which allow insurance companies to offer workers’ compensation insurance as well as regulates the associations between employers and these same insurance companies. This is to help ensure that the insurance companies don’t issue more workers’ comp insurance policies than they can reasonably afford to cover in case numerous policies are called into effect at the same time.
The Department of Labor in Vermont also sets the fee schedule and reimbursement rates for any medical professionals who administer treatment during a workers’ comp claim. This is to help regulate the amount that the insurance companies will have to pay in case of on-the-job accidents and also helps to prevent preferential treatment and overbilling for employees of large companies who might be able to pay more for medical service. By having a set fee schedule based upon the medical care given, the focus is more on the actual treatment of the injured employee than the amount that the employer would be able to pay.
The medical expenses are paid more or less on an hourly basis, according to the fee schedule, with additional amounts that can be added for 15-minute intervals in between the hours. This helps to ensure that the doctors and other medical professionals who might treat you are compensated for their time, while keeping the costs of medical care in workers’ comp cases under control for the reasons mentioned above.
According to Vermont law, employers must have sufficient insurance to cover the medical needs of their employees should they be injured during the course of their duties. If the employee becomes temporarily or permanently disabled as a result of this injury, however, additional funds may be needed to help them meet their expenses above and beyond any continuing medical care and rehabilitation that may be required. Settlements for any additional funds are generally contained within the workers’ compensation claim, though in some instances additional legal procedures may be necessary.
Whether your employer is willing to peaceably settle a workers’ comp claim or not, it’s vital that you take the time to consult an attorney with experience in Vermont workers’ compensation claims. Through their experience they will have a much better idea of the actual costs of rehabilitation and physical therapy, additional medical expenses, and any other costs which need to be included in the settlement of your claim. They will also have a firm grasp of both you and your employer’s rights under Vermont law, including any recent changes or specific procedures that have been laid out by the Vermont Department of Labor that must be followed. Should your attorney find that your employer isn’t following the Department of Labor’s procedures, additional fines may be levied against them (though these fines won’t affect your case.)
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