Wally Mountz

Wally Mountz

Contributing Author

Wally Mountz is a graduate of the Criminal Justice program at Florida Atlantic University and holds a Master’s degree in Criminal Justice from Faulkner University. His experience as a Forensic Detective, Crime Scene Investigator, and police officer often required providing assistance to many injured, disabled, or ill persons navigating the public healthcare system. Retired after nearly forty years in law enforcement, Wally now applies his vast investigative experience to research and writing.

What is Workers’ Compensation?

By / February 18, 2018 / Facts / 1 Comment

Workers’ compensation (familiarly referred to as “workers’ comp”) protects workers and their families from work-related expenses from injuries and diseases occurring within the workplace. This protection is very valuable in the case of a long-term or lifetime disability, and even applies if the employee is at fault or dies as a result of employment. In other words, it is a no-fault system.  Also, a death benefit could be available to the family if the employee dies while working. In exchange for receiving payments under this program which pays your expenses as you incur them, you are giving up your right...Read more

What Does Workers’ Compensation Cover?

By / February 18, 2018 / Facts / No Comments

The specific benefits that you would be entitled to receive under workers’ compensation laws will vary depending on the state where you work. Nonetheless, benefit coverage will be roughly the same across the United States. Although there are some exceptions, workers’ compensation pays for medical expenses, some required medical assistance devices, nursing services, and possibly even some replacement for your lost salary. Coverage May Vary by State State jurisdiction, not federal laws covers most injuries at work. Basically, workers’ compensation boards in every state will pay all the medical expenses as well as provide some pay each week while the...Read more

What is the difference between Workers’ Compensation and Health Insurance, and Which Should I Use?

By / February 18, 2018 / Facts / No Comments

If an accident or a disease associated with your workplace strikes your life, you will have many things to consider. One of the high priority items is to know who is going to pay for the medical bills that are about to start rolling in. This is especially important if you have a work-related disability claim. If you are covered by both workers’ compensation insurance and your own health insurance, you want to understand which to use. Normally, if you have an accident or suffer from a disease that is work-related, your first stop is to depend on the workers’...Read more

How soon should I apply for Workers’ Compensation and Disability?

By / February 18, 2018 / Facts / No Comments

Workers’ compensation disability cases are very time sensitive. The time limits for filing a claim can vary depending on the state in which you work. Don’t miss out on all your benefits because of a missed deadline! Strict rules must be followed about the latest that a claim can be filed. The general rule across many states is that the claim must be filed between 30 and 45 days. However, it could be as few as ten days, or as long as five years. Filing an initial workplace injury claim is fairly straightforward, and should be completed as soon as...Read more

What Types of Injuries and Illnesses are Covered under Workers’ Compensation?

By / February 18, 2018 / Facts / 1 Comment

Worker’s compensation coverage (workers’ comp) is designed to cover most work-related injuries and illnesses under a no-fault system. The program was written this way in order to effectively prevent civil lawsuits as a result of an occupational injury or disease. However, just because it is broad and far-reaching doesn’t mean that there aren’t still many cases that fall into a gray area which could be decided either way. One of the main requirements for an injury or an illness to be covered by workers’ comp is that the illness or injury is directly related to the job. It could be...Read more

Am I covered For Long-Term and Permanent Disability?

By / February 18, 2018 / Facts / No Comments

Long-term disability or permanent disability (also called impairment income) is a feature of the workers’ compensation program. To receive this particular benefit, you don’t have to do anything special except what is required for every workers’ comp claim. Permanent disability does not mean you will never be able to work again. It just means that you are not able to work in your normal job and perform your job tasks as you did before the accident or illness. Most workers collecting permanent disability will eventually return to work, so this form of disability is really not an especially significant issue....Read more

Who is Exempt from Workers’ Compensation Coverage?

By / February 18, 2018 / Facts / 2 Comments

The workers’ compensation system provides no-fault coverage for a majority of workers across the United States. This arrangement will furnish some funds to replace lost wages and cover medical expenses for a covered worker from an occupational injury, disability or disease. This type of insurance is expensive to the employers because it is provided at no cost to the employee, even if the employer is required to offer it. Because of this, some companies may look for a method to reduce those costs. One such method is to claim that the workers are not entitled to the coverage. Not every...Read more

Can I Collect Workers’ Comp and Sue My Employer for Damages?

By / February 18, 2018 / Facts / No Comments

Before workers’ compensation existed, an individual worker only had the protection of the civil court system. If the worker suffered an injury or developed an illness while at work, their only recourse was to sue the employer in civil court to get reimbursed for medical expenses and salary for lost income due to work conditions. This was not the best solution to the problem because medical care is needed immediately and it can take time and money to recuperate and return to work, if ever. Civil courts were often behind schedule because of a heavy workload, which meant that the...Read more

What Are Your Basic Rights Under Workers’ Compensation

By / February 18, 2018 / Facts / 3 Comments

Workers’ compensation insurance is a federal program administered by the states. Each state will have some variations, but the core purpose of the program remains the same – protect workers from the financial burdens connected with injuries or diseases associated with the workplace, and protect employers from being sued. This valuable plan should not be taken for granted and you should understand your basic rights concerning the handling of the aftermath of an injury or illness from your workplace. This would include such items as receiving payment for short and long-term medical care, a right to have your own attorney,...Read more

When to Hire a Workers Compensation Lawyer

By / February 18, 2018 / Facts / 2 Comments

If you are injured in a work-related accident or through an occupational illness, you should first notify your employer, seek medical attention, and then file a workers’ compensation disability claim. Workers’ compensation insurance will normally cover all your medical expenses and some of your lost income because of the incident. There are a few occupations where workers’ compensation doesn’t apply, such as being an independent contractor or an outside salesperson, but this can vary depending on the state where you work. An important right you have is the right to consult with a private attorney to examine your case specifically....Read more

Send this to a friend