From the category archives:

Benefits

In Colorado, What Medical Benefits Are Covered by Workers’ Compensation?

April 20, 2010
medical bills, Colorado

If you are injured on the job in Colorado, your employer’s workers’ compensation insurance will pay the medical expenses related to your injury. Some examples of medical treatment that are covered are: Physical therapy Surgery Injections Prescriptions Follow-ups with your doctor(s) Mental health treatment, including therapy or counseling Blood work Imaging scans such as MRIs [...]

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Will Getting Social Security Affect My Workers’ Compensation Benefits?

April 12, 2010
Workers' comp. offset

Colorado is what is known as a “reverse offset state,” which means that Colorado workers’ compensation benefits are reduced (or offset) by Social Security disability benefits. It is called “reverse offset” because in most other states Social Security is reduced if you get workers’ comp. benefits. If you receive Colorado workers’ compensation benefits, your benefits [...]

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What is a Final Admission of Liability?

March 5, 2010
Colorado Final Admission of Liability

If you have a Colorado Workers’ Compensation claim, at some point your insurance company will send you either a General Admission of Liability, or a Final Admission of Liability. These documents list the benefits that the insurance company thinks it should pay you. The General Admission has no deadline attached to it, but the Final Admission [...]

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Are You an Employee or an Independent Contractor?

February 24, 2010
Were you hired as an independent contractor or employee?

The economic downturn has led some companies to cut payroll costs by illegally classifying workers as independent contractors rather than employees.  If you work as an independent contractor you will have no workers’ compensation coverage if you are hurt on the job, unless you purchase your own coverage. It can be a blurry line between being an employee or [...]

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What Your Adjuster May Not Tell You

February 11, 2010
what your adjuster may hide from you

Colorado Workers’ Compensation law is complex and difficult to understand. While this may be the first time you have dealt with the law, it is not the first time your adjuster has. You must be sure that you know the law before you agree to anything that the adjuster suggests. There are many areas where [...]

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