Is the Workers’ Comp Insurer Paying You the Right Amount?

When you have to miss work because of your work injury, the insurer must pay your lost wages, referred to as “time loss” based on what you were earning at the time that you were injured.  The general rule is that the insurer must pay you two-thirds of your average gross weekly wage.  There are a number of different ways to calculate your average weekly wage.  And, it is not uncommon for the insurer to under pay you because of the method they used to calculate your wage.  If your wages tend to vary from week-to-week or month-to-month, the insurer must use your average wage from the 52 weeks just prior to the date you were injured.  What happens if you have not been employed at the same job for the past 52 weeks?  Did the insurer take account of bonuses, commissions or overtime pay that you received and which can increase your time loss pay rate?  Do you have a second job which has been affected by this work injury?  Proper analysis of your “true” wages often results in an increase in your time loss rate and the amount of money you receive while you are recovering.  Contact us for a free analysis of your time loss rate.