If you were recently injured in a workplace accident, or if you’re suffering from an occupational disease and you’re thinking about filing a workers’ compensation claim, you’ll probably have questions about the medical aspects of workers’ comp.
“Are all medical procedures covered? Are prescriptions included? Will I have to pay for the doctor out-of-pocket?” These are all reasonable questions, which we’ll be happy to answer below. If you have further questions, please don’t hesitate to contact us directly.
What You Need to Know About Medical Coverage
For starters, workers’ compensation is a no-fault accident insurance that is paid by South Carolina employers to provide injured or ill workers with medical, income and rehabilitation benefits after they’ve been injured on the job.
By “no fault,” we mean that injured workers are entitled to benefits regardless of who was at fault. In other words, the worker could be to blame for the injury, but that won’t stop the worker from obtaining benefits.
Under South Carolina law, all businesses with three or more workers, including companies with part-time employees, are required to maintain workers’ compensation insurance. So, as long as your employer has at least three employees, you should be covered. That being said, here’s what you need to know about medical coverage:
- You can’t use just any doctor. Your employee will have at least six approved doctors that you have to choose from – you can choose from any of the six.
- You will not have to pay for your medical care. Instead, your employer’s insurance provider will cover the costs of your authorized medical treatment, providing it was for a workplace injury.
- All authorized medical treatment will be covered by the workers’ compensation insurance. This includes hospital bills, surgery, orthopedic devices, physical therapy, and prescriptions.
- All workplace injuries that occurred on or after July 1, 2013 shall be entitled to medical treatment for 400 weeks from the date of the accident.
- If an injury was catastrophic, the injured worker may be entitled to lifetime medical benefits.
Looking for an Atlanta workers’ compensation lawyer? Contact The Law Offices of Nathaniel F. Hansford, LLC for a free case evaluation!