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Most of the time, the insurance company will stop your benefits when you reach maximum medical improvement. The idea is that when you are through with your treatment and you have recovered as much as you can, you should be able to return to work. Thus, your TTD benefits will typically be stopped so you are not paid both salary or wage benefits in addition to TTD benefits. There are, of course, many times when a worker is not physically able to return to work after he reaches MMI or even if he is able to return to work, his employer does not allow him to return to work. If that happens, you could be entitled to receive unemployment benefits. Also, if you are not taken back to work you will be permitted to offer evidence of vocational disability and you will not be limited to receiving compensation only for your physical impairment.

Myths

Myth: If you speak to the insurance company or write a letter explaining your case and are reasonable, you will get a reasonable response that “pays” you what you deserve.

Myth: All lawyers who advertise that they handle workers’ compensation cases have the same ability, tools and experience to handle your case.

Myth: The paperwork you need to file is simple and the law is easy to understand.

Myth: Most compensation claims are made up or fraudulent and people would rather be on compensation and “milk” the system instead of working.

Myth: Your employer will make sure you get the benefits you deserve quickly and keep your job open for your return.

Myth: The doctor they send you to will not be infiuenced by the fact that your treatment is being paid for by your employer’s insurance company.

Read more myths in Tracy's new book: The Injured Worker's Survival Guide.

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