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Yvonne M | Does Worker's Comp cover Carpal Tunnel Syndrome? |
If you work as a secretary and work on the computer all day long, would Worker's Comp. Ins. cover your loss when it comes to Carpal Tunnel Syndrome? Plus, what exactly would they cover? The medical costs or the loss of wages? How does that work? I have been with this company for nine years and I know I am listed on our Worker's Comp. My hands have been hurting bad lately with numbness and all. Would like to know how that works - thanks for your advice!
Additional Details
I reside in Texas |
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Scotty
|
Yes, carpal tunnel is one of the most expensive items to a Workers' Comp insurer. Workers' Comp would pay all medical expenses required to cure and relieve the condition, as well as temporary disability to make up for part of the wages lost during any time that you can't work. In some states you may also qualify for permanent disability. The amount covered varies widely by state. Talk to your employer's Workers' Comp insurance company, your HR department, or your state workers' comp administration for more details. |
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Glenn
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Possibly, if you can definitely demonstrate that the injury is work related. Workers compensation provides both reimbursement of medical costs (i.e. health insurance) and reimbursement of lost wages (i.e. disability insurance). In order to file a claim, you need to contact your Human Resources/Personnel Department and request claim filing instructions. Another option is to use your regular health insurance and sick day (i.e. disability) programs. I suggest that you contact Personnel and seek their recommendation as soon as possible. The most critical issue is to get proper medical care to address your condition - not which policy to use. |
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withluv7
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Whether you get anything from your claim would depend on what the physician says. IF he gives a diagnosis of CTS due to work then your claim will go more smoothly. The average pay on a worker's comp claim is 66 1/2 of your normal pay for a certain amount of weeks. After those weeks are up, the workers comp folks will re-evaluate your claim and according to whether the physician states you can go back to work or not will determine whether they will continue to pay. |
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Ed M
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It should be covered but if your insurance has it listed as a disability they may not and they will make you file disability. I'm in New York worked for UPS out of one of their New Jersey centers and when I was hit by a car at a customer site I learned the hard way workers comp has different rules they go by based on State, type of injury and other factors. New York would have allowed me to see any qualified neurosurgeon, but New Jersey law allowed the insurance company to send me to who they wanted. Seems every one of their selections was more than 40 miles from where I lived, They made it as inconvenient as possible. They did pay for the visits to their doctors and my lost wages but with the plan we had I had to use 3 sick or vacation days before workers comp kicked in. If your job and workers comp insurance people start giving you a hard time and the run around get a lawyer. I'm on disability now and it's a slow death. I'd rather be working with pain than sitting at home. |
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Shelly t
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if it did everyone would be out of work. |
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mbrcatz
 |
What EXACTLY Workers Comp covers varies according to state law. Yes, if the carpal tunnel is caused by YOUR job, then it's covered by workers comp. It normally covers lost wages if you are out of work long enough (there's usually a waiting period which varies by state, between 3 and 7 days), and medical pyaments.
What you do, is go to the doctor. It's POSSIBLY carpal tunnel, and possibly something else. Workers comp does NOT EVER pre-approve claims. First you go to the doc and get it treated, then you submit the bills to WC for reimbursement. BEFORE you go to the doc, you need to report it to your supervisor, so they can file the claim. |
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