If you have been injured at work, you may be entitled to workers’ compensation benefits however, may workers do not know exactly what is covered, how to claim it, or what to do it benefits are denied. Gosal & Company is available to guide you through the WorkSafeBC compensation process.
What Are Workers’ Compensation Benefits?
Workers’ compensation benefits are designed to support injured workers by covering medical care, replacing lost wages, and providing other resources to help them recover and return to work. In British Columbia, these benefits are managed by WorkSafeBC and are available to most employees injured while performing their job duties.
Who is Eligible for Workers’ Comp Benefits?
Most full-time, part-time, seasonal, and even some contact workers in British Columbia are eligible for WorkSafeBC benefits, if they are injured at work or develop an occupational disease. It is important to report your injury promptly and file a claim to establish eligibility.
Medical Benefits: What Treatment is Covered?
WorkSafeBC covers reasonable and necessary medical treatment for work-related injuries or illnesses, including:
- Doctor visits and specialist consultations
- Hospital stays and surgeries
- Prescription medications
- Physiotherapy, chiropractic care, and other therapies
- Assistive devices or equipment (like crutches or braces)
If you are unsure whether a specific treatment is covered, it is best to speak with your doctor and review your claim with one of our workers’ comp lawyers.
Wage Replacement: Temporary Disability Benefits Explained
If you are unable to work due to your injury, you may qualify for temporary wage-loss benefits, which are typically about 90% of your net earnings. These benefits continue until you can return to work or until your condition is considered stable.
Permanent Disability Benefits: Understanding Long-Term Compensation
If your injury results in permanent impairment, you may be eligible for permanent disability benefits. These benefits are calculated based on the extent of your impairment and may be paid monthly or as a lump sum.
Vocational Rehabilitation: Support for Returning to Work
If you are unable to return to your previous job because of your injury, WorkSafeBC may provide vocational rehabilitation services, such as:
- Job retraining programs
- Education courses
- Modified work placements
These services aim to help you return to the workforce in a role that suits your abilities and limitations.
Death Benefits: What Families of Injured Workers Should Know
If a worker dies due to a workplace injury or illness, their dependents may be entitled to death benefits, which can include:
- Funeral expenses
- Lump-sum or ongoing payments to spouses and dependents
- Support for children’s education
These benefits help families cope financially during a difficult time.
How to File a Workers’ Compensation Benefits Claim
To claim benefits:
- Report your injury to your employer as soon as possible.
- Seek medical attention and ensure your doctor submits a report to WorkSafeBC.
- Complete and submit a Form 6 (Worker’s Report of Injury or Occupational Disease) to WorkSafeBC.
You can also call WorkSafeBC Teleclaim for help initiating your claim.
How Long do Workers’ Comp Benefits Last?
The duration of benefits depends on the type and severity of your injury. Temporary wage-loss benefits continue until you recover or reach maximum medical improvement, while permanent disability benefits and vocational support can extend longer based on your needs.
Can Workers’ Comp Benefits Be Denied?
Yes. Claims can be denied if:
- The injury isn’t considered work-related
- The claim is filed too late
- There isn’t enough medical evidence to support the claim
- WorkSafeBC determines you’re able to return to work
If your claim or benefits are denied, you have the right to appeal. At Gosal & Company, we specialize in WorkSafeBC appeals and can help you understand your options, gather evidence, and present your case. Call us today at (604) 591-8187.
Frequently Asked Questions About Workers’ Compensation Benefits
How much does WorkSafeBC pay in wage replacement?
Typically about 90% of your net income, though it varies depending on your situation.
Can I choose my own doctor?
Yes, but WorkSafeBC may also arrange assessments with their medical advisors.
What if my employer disputes my claim?
WorkSafeBC makes the final determination, not your employer. You still have the right to appeal.