Workers
Compensation

In most states, if you get hurt on the job, your employer is required by law to pay for workers compensation benefits. You could get hurt by:

• A single event at work (i.e., hurting your back in a fall, getting burned by a chemical that splashes on your skin, getting hurt in a car accident while making deliveries, etc.)
• Repeated exposures at work (i.e., hurting your wrist from doing the same motion over and over, losing your hearing because of constant loud noise, etc.)

Workers compensation benefits vary from state to state and depend on the nature of the injury. Benefits may include:

• Medical Care – Covered by your employer’s workers compensation policy to help you recover from an injury or illness caused by work.
• Temporary Disability Benefits – Payments if you lose wages because your injury prevents you from doing your usual job while recovering.
• Permanent Disability Benefits – Payments if you don’t recover completely.
• Vocational Rehabilitation Benefits – To help pay for retraining or skill enhancement if you don’t recover completely and don’t return to work for your employer. May be in the form of a voucher or a retraining program.
• Death Benefits – Payments to your spouse, children or other dependents if you die from a job injury or illness.
• Wage Loss Benefits  – Payments that help replace your income when you can’t work because of a job-related injury or illness. These benefits are designed to help support you financially while you recover.
• Mileage Reimbursement – If you need to travel for approved care related to your work injury, you may be eligible to be reimbursed for mileage, tolls, or public transit expenses. Our goal is to make sure transportation costs do not become a barrier to getting the care you need.

Follow these steps if you experience an injury on the job:

1. Report the injury to your employer. Tell your supervisor right away. If your injury or illness developed gradually (like tendinitis or hearing loss), report it as soon as you learn or believe it was caused by your job.
2. Get medical care. Prompt medical treatment is important after a work-related injury or illness. Choose a doctor who understands your condition. Be specific about your symptoms, the work activities involved, and the circumstances that led to the injury. 
3. Seek emergency treatment if needed. If it’s a medical emergency, go to an emergency room right away. Your employer may tell you where to go for treatment. Tell the health care provider who treats you that your injury or illness is job-related.

Our medical networks are composed of medical providers from primary treating physicians to specialists who understand how to manage workplace injuries and are dedicated to providing quality medical care to injured workers.

Learn more information and find a provider network.

Approved medical treatment is covered by your employer’s workers compensation policy.

We will help you get reimbursed for approved medical expenses. Send your bill or receipt to BHHC at [email protected]. Include your name and claim number. Your claims adjuster will review your request and follow up with you directly.

Pharmacy benefits are administered through our vendor, MyMatrixx. You will be mailed a Temporary Prescription Card form to present to the pharmacy with your prescription. In the meantime, you may use the information on the form to get up to a two-week supply of medication at the time of your injury.

Search for a pharmacy in the MyMatrixx network or on the back of the form. Contact your claims adjuster with any questions.

Pharmacy benefits are administered through our vendor, MyMatrixx. To get a replacement card, call the MyMatrixx Patient Care Center at (800) 945-5951.

Your claim will be set up in our system, reviewed and assigned to an adjuster who will contact you. Your claims adjuster is a key part of your support team. Staying in touch helps ensure your questions are answered, your care stays on track, and changes in your recovery are addressed quickly.

Work restrictions are guidelines from your doctor that limit certain tasks. Temporary restrictions help prevent further injury and support your healing.

Your doctor sets these limits to protect you and make sure you can return to work safely without causing more harm.

Examples of restrictions:

• No lifting over 10 pounds
• Avoid bending or twisting
• Limited standing or sitting
• Reduced work hours

Communicate with your employer who may offer modified duties that fit your restrictions. If that’s not possible, you might qualify for wage replacement benefits.

Yes, if your doctor approves and your employer can provide modified duties that fit your restrictions.

You may be eligible for:

• Medical care for your injury
• Wage Loss Benefits
• Vocational rehabilitation if you need new job skills
• Mileage reimbursement to and from medical appointments for approved care

Your claims adjuster will request your wages from your employer to calculate your weekly income and determine your benefits. The calculation of your weekly benefit varies by state, and may include overtime, bonuses, tips, the number of your dependents, and other sources of income. Please let your claims adjuster know about any other income you receive that may impact this calculation. Depending on your state, items such as commissions, lodging, paid time off may also be considered income. Please disclose to your adjuster a full list of possible income so an accurate calculations may be made.

For more information, visit Wage Loss Benefits.