Types of Workers’ Compensation Benefits in South Carolina
If you have been injured at work, you may be facing significant stress about how you will pay your medical bills and support yourself if you can no longer work. South Carolina workers’ compensation benefits can help you to get through these tough times.
To learn more, contact Harrison, White, Smith & Coggins, P.C. We can provide a free review of your case and explain the full range of benefits available to you. We serve clients throughout Upstate South Carolina, including Spartanburg and Greenville.
You are entitled to receive 100 percent coverage for all medical treatment that you need as a direct result of the injuries you sustain on the job. This includes:
- Hospital stays
- Transportation to medical appointments
You must see the doctor chosen by your employer or the insurance company. If you wish to see a particular specialist or physician, you will need to get permission to have the costs covered.
After you have missed at least seven days of work because of your injury, you are entitled to receive lost wage benefits. These benefits are based on your average weekly wage at the time you were hurt. These benefits do not pay your full salary. Instead, you are paid 66 2/3 percent of your average weekly wage (up to the state maximum).
You do not get paid for the first seven days of missed work unless your injury is serious enough to require 14 or more days off. Once your absence from work due to the injury exceeds 14 days, you are eligible for lost wage benefits paid retroactively and dating back to the time when the accident happened.
When you cannot work, or your ability to work is reduced by your injury, the workers’ compensation insurer becomes responsible for paying disability benefits.
These are divided into two types that can be paid temporarily or permanently (but cannot exceed 500 weeks). The types are:
- Partial disability –This means you can do some work but cannot perform the job you had prior to your injury. If your lighter duty job reduces your wages, you are entitled to receive 66 2/3 percent of the difference between your average weekly wage prior to the injury and your wage after the injury.
- Total disability – This means that you can do no work at all. You can receive 66 2/3 of your total average weekly wage up to the state maximum limit.
Scheduled Loss Benefits
Under the laws in South Carolina, workers who sustain certain types of injury are entitled to specific benefits. These injuries are considered “scheduled” injuries. The amount will depend on the type of injury. For example:
- A worker who lost a big toe in a workplace accident would be entitled to 35 weeks of benefits.
- A worker who loses vision in both eyes or who loses the use of both hands is entitled to 500 weeks of benefits as scheduled loss benefits.
- Back injuries that cause workers to experience more than 50 percent loss of use can result in 500 weeks of scheduled loss benefits.
A work injury attorney can help you to determine the scheduled loss benefits that may apply to your benefits claim.
When a workplace injury is fatal, workers’ compensation will provide payment of reasonable funeral expenses as well as up to 66 2/3 of the deceased worker’s earnings to dependents. Ongoing death benefits payments can last 500 weeks.
Get Help from a Workers’ Compensation Attorney Serving Spartanburg and Greenville, S.C.
Securing workers’ compensation benefits after a work injury can be difficult. Employers and insurance companies routinely try to deny legitimate work-injury claims or engage in tactics designed to reduce compensation for losses.
Harrison, White, Smith & Coggins, P.C., can provide the help you need to make your case and seek full compensation for your workplace injuries or illnesses.
Call or contact us online today to schedule a free consultation.
For More Information
• Title 42, Workers’ Compensation, Chapter 9, Compensation and Payment Thereof, South Carolina Legislature