California Workers' Comp FAQ

Quick Answer: If your injury happened at work or because of your job (AOE/COE), it's covered. Pre-existing conditions aggravated by work are also covered.

Quick Answer: You must report injuries within 30 days and file your claim within 1 year. For cumulative trauma, the clock starts when you discover the injury.

Quick Answer: TD (Temporary Disability) pays 2/3 of wages while recovering. PD (Permanent Disability) compensates for lasting impairments after you reach MMI.

Quick Answer: Settlements depend on 7 factors: injury severity, PD rating, age, occupation, wages, future medical needs, and attorney representation.

Quick Answer: Yes, but you must report all income. Working can reduce or eliminate TD benefits. Failure to report is fraud and can result in criminal charges.

Quick Answer: All reasonably necessary treatment is covered: doctor visits, surgery, physical therapy, medications, equipment, and more. No co-pays or deductibles.

Quick Answer: A QME is an independent doctor who determines your disability rating when there's a dispute. Their opinion significantly impacts your settlement value.

Quick Answer: A denial is not final. You can appeal to the Workers' Compensation Appeals Board. Most denied claims are won on appeal with proper evidence.

Quick Answer: Generally no - workers' comp is the 'exclusive remedy.' But you CAN sue third parties (equipment makers, property owners) and may sue for intentional harm.

Quick Answer: You can file with the UEBTF (Uninsured Employers Benefits Trust Fund) AND sue your employer directly for full damages including pain and suffering.

Quick Answer: Look for experience with your injury type, fee transparency (typically 15%), client reviews, and free consultations. Avoid attorneys who guarantee results.

Quick Answer: You can refuse work that violates your medical restrictions. You can't be fired for filing a claim (Labor Code 132a protects you from retaliation).