If you’re hurt at work in a factory, mill, or construction site, your claim will fall into one of two categories: medical-only or lost-time. The difference affects how much you receive and for how long.
1. What Is a Medical-Only Claim?
You were injured, got treatment, but missed less than five days of work. The insurance pays for your medical bills, but no workers compensation benefits.
2. What Is a Lost-Time Claim?
You missed more than five days of work. Now you’re entitled to weekly checks (Temporary Total Disability) and potentially other benefits.
3. Why This Matters
- Lost-time claims typically lead to higher total compensation
- You may qualify for impairment payments later
4. Watch Out for Misclassification
Some employers or insurers will try to treat a lost-time claim as medical-only to save money. If you’re losing pay, speak up.
5. How to Switch a Claim Type
If your situation changes (surgery, longer recovery), how your claim is handled may change. Keep medical documentation and notify the insurer.
6. When to Get a Lawyer Involved
If your benefits stop too early, or you are not receiving benefits when you should be receiving them, we can help push back.
Call Eichelberger Law at 601-202-9981.