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New Mexico workers' compensation insurance covers wage replacement and medical bills for employees who are injured on the job. It pays for medical care resulting from a work-related illness or injury, as well as wage replacement if the worker is unable to work as a result of the injury or illness.

Receiving workers' comp benefits does not necessarily mean you will receive a settlement offer. Rather, numerous factors play into this decision. Your company may think you'll be back on the job quickly or that you're able to do some work, which can determine whether you receive a workers' comp settlement offer.

Settlements are calculated based on a combination of lost wages, medical expenses, future medical expenses, specific loss, scarring, and more. Because factors vary so widely from case to case, it's nearly impossible to provide an average workers' comp settlement amount.

Every employer required to be covered by the Workers' Compensation Act, or who elects to do so, and every employee covered by the Act, must pay a quarterly fee called the workers' compensation assessment fee. The fee is similar to a tax, and is $4.30 per employee per calendar quarter.

You must be an employee. Your employer must carry workers' comp insurance. You must have a work-related injury or illness. You must meet your state's deadlines for reporting the injury and filing a workers' comp claim.

Get your weekly disability check started, if you're not receiving it already. Maximize your weekly benefit check. Report all super-added injuries. Seek psychological care, when appropriate. Seek pain management care, when appropriate. Don't refuse medical procedures. Be very careful what you tell the doctor.

The insurance company may use your rating to come up with a starting settlement amount, but you may want to ask for a moderately higher amount for permanent disability compensation, plus the cost of future medical treatment and any past-due temporary disability benefits.

In closing, workers' compensation does not pay your full salary, but you are entitled to part of your salary. If you've been injured on the job and need assistance throughout the sometimes confusing process, be sure to consult an attorney for their expertise.

New Mexico Workers Compensation Request for Setting

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