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Loss of Trade Compensation: Payment for Permanent Injury

Loss of trade compensation, in terms of worker’s comp, refer to compensation paid out to a worker that can no longer fulfill their work duties as a result of an accident. Trade compensation is a type of worker’s comp benefit to assist those in this specific case. But how exactly can an employer compensate you for a loss of ability? What exactly does that entail? Every case is different. But, depending on the details of yours, you may qualify. But first, let’s get familiar with them..

Loss of Trade Compensation: Payment for Permanent Injury

Take for example, an employee who suffers a back injury while working on a construction site. After going to therapy, he is able to regain most of his movement and strength back. But even after improving, the demands of his job are too high for the condition of his body. So, it’s time to find a new field of work. So, the worker must renovate his resume and begin fielding jobs. After countless applications, this person is able to accept an office job working as a customer sales representative. This job is much more suitable to the condition his back is now in. But, the salary is not quite as much as it might’ve been if he was able to keep his construction job.

In an instance such as this, that former employee might be able to receive those loss of trade compensation benefits. These benefits are designed to make up the difference in salary that may come when switching jobs due to injury. In the event that they physically must change their position, these benefits cover the loss in pay.

What Are the Guidelines?

These types of benefits are typically only for permanent situations. In short, if you will never be able to fulfill those old job requirements again, these benefits will be made available to you. The standard for these types of benefits, is the same 2/3 of your wage loss that we see in traditional worker’s comp claims. So, to make it simple: you will receive two-thirds of the difference between your previous salary and your current wages.

The thing to remember is that when you face injury on the job, you have options as for how to get back on your feet— and get back to the same level of financial stability that you had before the accident. Every case is different, as are your options. So, let’s explore them together and find the best result for you. A serious injury is difficult, as if fighting for benefits, but you don’t have to fight alone.

Making your Work Return after Work Injury: What Do I Need to Know? 

Getting back to work after a work injury can be difficult, painful, and time consuming. Furthermore, you’re likely wondering what the requirements are for returning to work. Who do I have to tell? Will I still receive necessary medical care? And can I request light duty? Making your work return after an injury can be a difficult process. But we’re here to answer questions, and help make sense of it all.

Making your Work Return after Work Injury: What Do I Need to Know?

After an accident or illness on the job, making your work return can be stressful. However, a doctor may release you to begin light duty. While the pain may be manageable, it may still be there. That means, at times, even light duty work responsibilities may still leave you hurting. Furthermore, there is also a chance you may not be returning to the same job or position. In that case you will have the stress of learning a new position and developing a new routine. In the midst of these stressful issues, you may also have questions about workers comp.

Compensation for lost time

After you go back to work, you may still miss some days due to you injury or illness. For instance, doctor’s appointments and therapy session may be a cause of missing time. In addition, just being in pain or sick may require you to stay out of work. In that case, you may be able to receive worker’s comp for that lost time even after returning to light duty, or standard, work.

Keeping your previous job open

Your employer does not have to keep your job open. However, a lot of employers will take you back when you can return for light duty. Therefore, it may be a good idea to keep in contact with your employer throughout your injury process. Keep them updated, ask about your position, and make preparations for your return.

Who you should tell?

Before you feel ready to return to work, or when the doctor gives the all clear, it’s important to make your employer aware and begin making preparations. Furthermore, once you return to work, you must notify the Worker’s Compensation Board. Lastly, the insurance carrier that is paying your medical bills should be made aware as well.

Understanding Your Benefits

Returning to work can be a challenging, but understanding your benefits and responsibilities— makes the process that much smoother. While unfortunate, it can be very easy to be denied benefits, or taken advantage of, during the worker’s compensation process. If you feel that you fall into that category, reach out to an attorney today. Dealing with a work injury is difficult enough already, don’t lose out on your benefits, or position, as well.

Motorcycle Manners and Etiquette: Breaking Biker Bias & Being Considerate 

When it comes to motorcycle manners and etiquette, there are some things that are sacred. Having proper etiquette on your motorcycle means that you’re following the law, driving considerately, and showing courtesy towards other riders and drivers. By being a responsible motorcyclist, you help to kill the biker stigma, keep yourself  safe, and make drivers and riders aware of the moves you might be making. Therefore, using motorcycle manners and etiquette can do a lot for you, and other people on the roadway.

Motorcycle Manners and Etiquette: Breaking Biker Bias & Being Considerate

Be mindful of other bikers when coming up close

The first rule of motorcycle manners is to be respectful of other bikers’ space. When approaching another biker, don’t ride up too closely. If you want to pass, give them the signal that you’re going to do so. You don’t want to make the other driver angry, anxious, or nervous by riding too close. So, give them space just like you’d want. Furthermore, give them enough time to respond and react to your signals when you give them. By respecting their space, they’ll be more likely to respect you, and your space.

Wave

Yep, it’s that simple. When you’re riding around other motorcyclists— waving or giving a quick nod is customary, and a sign of respect. By doing this, you’re showing that you see them, and you’re aware of their space. Many motorcyclists will make more of a habit to wave at someone on the same brand of bike as theirs. But, waving at any and all is a sign of respect that can go a long way.

How these signs and symbols can help reduce biker bias

The images that come to mind (for most) of bikers are particularly destructive to the motorcycle community. While we are aware that motorcyclists are just your every day bankers, doctors, moms, dads, and so forth— the stigma of inconsiderate speed demons is quite a popular one. Therefore, by showing that the motorcycle community is, in fact, a community, and not a gang of lawless bandits— you help to strengthen the idea of normal people who love bikes. Help to show that, we too, have manners like the rest of the drivers on the road.

How Employers Discourage Worker’s Comp Claims & Make You Think Twice Before Filing 

When it comes to worker’s compensation claims, your employer and their insurer likely try to avoid them at all costs. After all, these claims can be costly, time consuming, and they’re losing an employee for some amount of time. For these reasons, among others, many employers discourage worker’s comp claims. There are plenty of different ways that they might do this. So, we’re going to try and make you aware of a few methods they might use to discourage you, or make you think twice, about filing that claim..

How Employers Discourage Worker’s Comp Claims and Make You Think Twice Before Filing

Surveillance Cameras

Fraudulent claims are particulate pesky for employer’s. For that reason, many employers might install surveillance cameras. That way, if any accidents do happen (or they suspect a false claim), they’ll be able to watch the actual event and see for themselves. Although, there can be many motives behind an employer recording their employees. One way that this can discourage worker’s comp claims, is because it gives the impression that your employer doesn’t trust you. Therefore, you might try to avoid filing as a means of staying outside of the microscope.

Post-Injury Drug Testing

By making it a known fact that after an injury, you will be drug tested, many people might avoid filing as well. The idea of drug testing, like surveillance, can be quite discouraging to most employees. It seems that, even those who do not use any type of drugs, are still put off by the idea of a drug test and have an irrational fear of not passing. Therefore, the worry is not only not having your injury covered, but also getting fired. For these reasons, many employees will avoid filing a claim and bringing attention to themselves.

Incentive-Based Safety Programs

I’m sure you’ve heard of some companies, or even your own, that offers celebrations, prizes, and etc. for reaching certain safety goals. For example, if your boss throws a party after every 100 days that are accident-free. While this might seem innocent enough, and maybe it is, it can also be a great way to deter injured workers from reporting their injury. When there are incentives on the line, it can put a lot of pressure on an employee to keep their injury to themselves. After all, you don’t want to lose their work perks. Furthermore, they don’t want their co-workers to blame them for a loss of privileges.

In short, employers discourage worker’s comp claims from time to time for a number of reasons. However, this should not stop you from seeking medical assistance when you need it. While work incentives are nice, and drug tests can be daunting— your injury is more important than these concerns. If you’re fearing retribution, or a denial of your comp claims, reach out to an experienced personal injury attorney. That way, you’ll know what to expect from this process. We wish you luck with your injury, and extend our condolences for this difficult time.

Temporary or Permanent Disability: What’s The Difference?

When it comes to a workplace injury, there are two separate categories that all injuries fall into: temporary or permanent disability. Obviously, the terms are quite indicative of what falls into each category. However, there are some key differences that you might want to understand as you begin to move forward with your worker’s compensation claim. Depending on your injury, your benefits will differ quite a bit…

Temporary or Permanent Disability: What’s The Difference?

Temporary disability

In this group, a person may experience an accident at work. Due to this injury, the person may not be able to go to work or fulfill duties of the job for a period of time. During this period, the employee can apply for temporary disability benefits. These benefits can provide the injured party with an income to make up for the loss of wages at work. These wages normally consist of about 2/3 of that employer’s weekly salary. There are both minimum and maximums to the amount of wages the benefits will match. However, at some point this employee will go back to working. Therein lies the difference between these two groups.

Permanent disability

Unlike the first group, permanent disability means an employee will not be able to return to work at all. In that case, this person will no longer be able to earn that income. Therefore, this employee may be able to receive a payment for this loss of wages. And the amount of the payment will depend on how severe the injury is. If the injury presents a larger limitation for that person, they will receive a larger payment. In addition, the amount may also depend on the age of the employee and the salary they were making at he time of the accident.

Knowing Your Benefits and Rights

No matter which group you may fall into, it is important to be familiar with the benefits that belong to you. If you’ve faced a workplace injury, it should not be your responsibility to cover the costs. When you are hurt on the job, you have certain rights that you might not understand. That’s where we come in…