The workers’ compensation system helps workers after an on-the-job accident leads to injuries or illnesses. The system achieves this goal by covering medical expenses and providing wage replacement benefits. In New Mexico, the amount paid out in workers’ compensation claims can vary significantly, depending on several factors. These can include:
- Type of injury: The severity and nature of the injury impact the amount of medical benefits and wage replacement. Additional benefits are possible if the injury leads to permanent impairment.
- Wage replacement benefits: These are calculated based on a percentage of your average weekly wage, subject to a maximum limit set by the state.
- Medical expenses: Benefits should also cover reasonable and necessary medical expenses related to the work injury.
Understanding these categories helps clarify the compensation calculation and ensures that workers can anticipate the benefits they might receive. It is essential to provide accurate and comprehensive information about your injury and wages to help ensure a fair assessment.
What should I do if my offered benefits are insufficient?
Unfortunately, this issue is not uncommon. You can take the following steps if you believe that the workers’ compensation benefits are inadequate:
- Request a reevaluation: You can ask the insurance carrier or your employer to reassess your claim if you believe there has been an error or oversight.
- Appeal the decision: If reevaluation does not yield a satisfactory outcome, you may appeal the decision through the New Mexico Workers’ Compensation Administration.
- Consult a lawyer: A workers’ compensation attorney can provide guidance and represent your interests in disputes or appeals.
If you find yourself receiving benefits that do not adequately cover your needs, it’s important to know your rights and the steps you can take to challenge the decision.