Know Your Rights Delaware Workers’ Compensation Benefits
By Heather A. Long, Esq.
“Knowledge is power” is an old adage that is especially significant if you are involved in a workplace injury. All too often, injured employees attempt to navigate the murky waters of their work injury claim on their own, without the critical knowledge necessary to protect their rights.
It goes without saying that your health is the most important thing to protect. Employees who are injured on the job and don’t understand the rights that they are entitled to can feel pressured to return to work before it is safe. This increases the risk that they will either become re-injured or will not heal properly from the initial injury.
The most important thing to do if you become injured on the job is to get the necessary medical attention that you need. If you are not in an emergency situation, notify your employer about your injury. Make sure that your injury is documented and that a “First Report of Injury” is filed with the Industrial Accident Board, the administrative agency that oversees work related injury claims. The Statute of Limitations for filing a workers’ compensation claim here in Delaware is two years. Therefore, as a general rule, the First Report of Injury and Agreement (of the injury) forms must be filed within two years from the date of your injury. Otherwise you will loose your rights under the Workers’ Compensation Act FOREVER. I recommend asking your employer to file these forms immediately following your i njury while the facts surrounding the accident are fresh in both of your minds. This will minimize any dispute about what part of your body was injured, and the facts surrounding how you were injured.
What are injured workers entitled to under the Delaware Workers’ Compensation Act?
1. Disability Benefits
Knowing and protecting your rights if you or a loved one is injured on the job just makes good, old-fashioned financial sense. Most of your rights under the workers’ compensation laws in Delaware are based on your average weekly wage (AWW for short) earned during the 6 month period prior to your injury. If you have only been at your job a short time, don’t worry- your rights will still be based on your average earnings for whatever time you have been on the job.
Of all the rights available to an injured worker, the one that clients are most concerned about is the disability benefit to compensate for their lost wages. Depending on how severe you are injured, your doctor may restrict your work hours, restrict your work duties, or take you out of work completely for a certain amount of time. If that is the case, then you are entitled to disability benefits.
2. Medical Benefits
If you are injured in the course and scope of your employment, you are entitled to medical benefits for the rest of your life as long as the medical treatment is reasonable, necessary and related to the work injury, and your caregiver is a Delaware Certified Workers’ Compensation Provider. A list of the certified providers may be found on the Department of Labor’s website, and is updated weekly. Worker’s compensation insurance must pay at least one medical bill every 5 years in order to keep this benefit active.
You are entitled to mileage reimbursement of forty cents (.40) per mile, roundtrip for your doctors appointments. I suggest keeping a notebook in your glove box so you can write down the dates of your appointments and your mileage both to and from these visits.
4. Scarring / Disfigurement
If you were unfortunate enough to have suffered a scar or other physical disfigurement as a result of your work injury, you are generally entitled to compensation. Any scar and/or disfigurement that is visible when properly clothed can be awarded a monetary settlement. The amount of the settlement is determined by the location, size and visibility of the scar.
5. Permanent Partial Impairment
If your doctor says that the injury which you received in the course and scope of your employment is permanent, you may be entitled to a lump sum payment. This lump sum payment is not meant to compensate you for pain and suffering, rather, it represents compensation for the permanent impairment to your body as the result of your work injury. The amount of this recovery is based on a complex formula which takes into account the part of your body that was injured, your percentage of impairment and your workers’ compensation rate based on your average weekly wage.
As every work-related accident is unique, all of the rights listed above will not necessarily apply to every case. If you are injured at work, the best thing you can do is become informed about your rights under the Delaware Workers’ Compensation Act. In order to make sure that you receive all of the benefits you deserve in your time of need, I highly recommend that you obtain an attorney to guide you and protect you through the rough waters you are sure to encounter on your journey through the workers’ compensation system. I offer free consultations with no attorney’s fee to be paid until your case is settled. This gives you the peace of mind you need in order to focus on the most important thing- your health.
Heather has been an attorney for over six years, and is currently practicing Workers’ Compensation and Personal Injury Law at Kimmel, Carter, Roman & Peltz, P.A. with offices in Newark and Wilmington. Heather worked her way through law school as a paralegal in a personal injury firm. After passing the bar exam, she spent several years working as a defense attorney, representing local, regional and national companies. With the knowledge gained about the inner-workings of these companies, she now represents injured workers and personal
Heather is a graduate of Widener University School of Law, and the University of Nebraska- Lincoln. Prior to attending law school, she was licensed as a paramedic and spent time volunteering for her local ambulance corps. She is also active as a mock trial coach for Salesianum High School.
Heather is licensed to practice law in Delaware, Pennsylvania and New Jersey.
For more information, or to schedule a free consultation, please call (302) 565-6132 or email her directly at HLong@kcrlaw.com.