ecovery: Return to Wellness

Q:

How will my wage checks be impacted if I go back to work?

A:

Most states have a provision that requires insurance carriers to pay a percentage (typically it is 66 2/3%) of the difference between what you previously made and what you are earning while working modified duty. For example, if you previously averaged $650.00 per week prior to your injury and your employer offers you modified work at a reduced rate, earning $300.00 per week, the insurance carrier would pay you 66 2/3% of the difference between $650.00 and $300.00.

$650.00 - $300.00 = $350.00 x 66 2/3% = $233.33

So, you would get a paycheck from your employer for $300.00 and a Temporary Partial Disability benefits (TPD) check from the insurance carrier in the amount of $233.33. Although $300.00 + $233.33 = $533.33, is less than the $650.00 you previously averaged, $650.00 is gross (before taxes) it is still more than what you would receive weekly in Temporary Total Disability Benefits. For example, in PA you would receive only $429.00 per week if you were totally disabled. In other states, you would likely receive only $433.33 per week if totally disabled. Returning to work benefits you financially, mentally, and physically.

Q:

If I return to work, will my medical benefits stop?

A:

Just because you return to work does not mean that you are no longer entitled to medical benefits. Many injured workers return to work modified duty but may still require physical therapy or follow up visits with their treating doctor. Return to work helps you with your physical rehabilitation, but we understand that ongoing medical care may be necessary for a reasonable period of time. If you have specific questions about what we will pay or cover, contact your claim representative for further clarification.

Q:

What if I turn down a modified job offer?

A:

If you are medically cleared to return to work and the job offered is within the restrictions, your benefits may be at risk. In many jurisdictions, your benefits may be suspended during the period that you refuse a valid job offer. Your claim representative can inform you on how refusing a job offer can impact your benefits.