Workers’ compensation is insurance that provides cash benefits and/or medical care for workers who are injured or become ill as a direct result of their job.

No. Only those disabilities that are causally related to an accidental injury “arising out of and in the course of the employment” or to occupational disease.

You may lose your right to cash benefits and medical care.

Yes, the employer or insurance company is entitled to have you examined by a qualified physician. Refusal to submit to an exam may affect the worker’s claim.

The insurance carrier contesting a claim must file a notice of controversy with the Board within eighteen days after the disability begins or within ten days of learning of the accident, whichever is greater. The carrier must give the reasons why the claim is not being paid. Your case will most likely be set for trial before the Workers’ Compensation Judge.