In Georgia, any business with three or more employees must have comprehensive workers’ compensation insurance. This pays injured employees’ medical costs and partial lost wages associated with a workplace accident.
Georgia workers’ compensation benefits cover:
A portion of your weekly wages (disability benefits)
There are two time limits you should be aware of under the state’s workers’ compensation statutes. First, you have 30 days to report any workplace accident or injury to your supervisor. Secondly, you have one year from the date of the accident to file a Form WC-14, which is the form used for these claims in Georgia.
If you wish to pursue compensation for a worsening work-related condition, you must file within two years of the last time TTD or TPD was paid. And to apply for PPD, you must do so within four years of last receiving TTD or TPD.
In most cases, the insurance company cannot deny your workers’ compensation claim even if you were being careless when you were hurt. Unless you were under the influence of drugs or alcohol or breaking the law, they typically should not deny your claim.