You may assume workers’ compensation benefits only include the wages from the job where you were injured, but this isn’t necessarily true. With the increasing cost of living, many people are forced to work two and sometimes three jobs just to pay their bills. If you have more than one job at the time of an injury, you may be entitled to add the wages from all your jobs to increase how much the insurance company will have to pay. To really shed some light on this topic we have to take a deeper look at not only what workers’ compensation covers, but also when additional benefits are even available.
1. When are you eligible?
If your second job has workers’ compensation coverage, your wages from the second and third jobs are also calculated into your average weekly wage if your ability to perform what’s required of you is dramatically hindered, or you are not able to work at all at your second job after your injury. All wages from any covered employment can be added together to help you receive the correct amount in lost wages while recovering from your injuries. In most cases you are fully responsible to notify the insurance provider of a second or third job, and especially of the possibility of any additional lost wages.
2. When are you not eligible?
Not all jobs can be included, which is why you should contact an attorney to discuss whether your other jobs can be included and how much the insurance company should be paying you. If your second job does not have workers’ compensation coverage, then those wages are not included. If you are not sure if it should be included, you should ask an attorney who specializes in workers’ compensation cases.
3. Some additional things to know.
Whether or not you will receive benefits from supplemental income employment really depends on the facts of your case. In most cases, your first employer needs know or be told about your other job. You’ll also need to provide proof of your lost wages. As long as there is some documentation, pay stubs, etc., your attorney should be able to prove how much should be added. If the pay stubs are not available or cannot be found, the attorney can get them from the additional employers. Doing this assures the amount of lost wages can be proven in court and it will increase how much you are paid every week in compensation/lost wage benefits.
Understanding what workers’ compensation covers, and receiving benefits for lost income can be a complicated issue. You may want to seek help from your attorney. If you have any questions about this topic or any other matters, please call one of the attorneys at Wieland, Hilado & DeLattre at 407-841-7699. For additional resources, keep checking our blog, LIKE us on Facebook and follow us on Twitter at @whdjustice for more helpful hints to always be informed about your rights.