New Mexico Checklists - Worker's Compensation Claims

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Workers' Compensation Laws are laws passed by state legislatures that compensate employees for work-related injuries or illnesses. Any employee injured on the job within the scope of his employment is entitled to workers' compensation benefits. This is true even if the employee was injured because of his own negligence or for failure to follow the instructions of his employer. Self inflicted injuries are not covered. Benefits include medical expenses, lost wages, and death benefits. Most employers have insurance to cover these benefits. If they don't have insurance, they still have to pay benefits.

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FAQ

How insurance companies calculate impairment rating payouts. In general, insurance companies calculate impairment rating payouts by multiplying the impairment rating by a certain allowed amount. This means that a higher impairment rating equals a higher impairment rating payout. This amount can vary from state to state ...

? The first seven calendar days of lost time is considered a waiting period by the New Mexico Workers' Compensation Act. The waiting period is paid if there is a total of twenty-eight days of lost wages as the result of a provider excusing or restricting the employee from work.

Workers' compensation provides workers with: Payment for medical care resulting from a work-related injury or illness. Payments for a worker who is permanently partially disabled once maximum medical improvement is reached. Payments for a worker who has a permanent impairment or is permanently totally disabled.

Workers' compensation insurance provides an exclusive remedy to tort liability. The New Mexico Legislature created the Workers' Compensation Administration (WCA) in 1986 in order to expedite the resolution of workers' compensation cases.

Coverage is not required for domestic servants or real estate salespeople. Federal employees covered by the Federal Employees' Compensation Act or other federal programs are not required to carry coverage.

Minimum weekly payment is $36 or the workers' actual wage if it is less; Maximum weekly payment is 100 percent of the New Mexico state average weekly wage or $669.21; and. Maximum number of payments is for the lifetime of the injured New Mexico worker.

The first 7 days missed from work is considered to be a waiting period and is not paid unless a full 28 days are missed from work. Your first check should be issued 14 days from the first day you began missing work, and will likely be for one week. Your adjuster can provide more specific information.

A1: In general, you must give your employer or your supervisor written notice within 15 days after you knew that your job injury was connected to your job accident. If your injury or some other cause beyond your control prevents you from giving written notice within 15 days, the period may be extended up to 60 days.

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New Mexico Checklists - Worker's Compensation Claims