Can You Cash a Workers’ Comp Check Without Missing Work?

Workers’ compensation can provide financial support in various circumstances, including recovery from injuries and certain disabilities, even if you haven't missed a day of work. Here’s what you need to know about cashing a workers’ comp check.

Types of Workers’ Comp Benefits

Workers’ compensation benefits vary based on the specific situation and the type of check you are cashing. Typically, these benefits can include medical expenses, rehabilitation, and sometimes compensation for permanent disability. However, the type of check you receive and the circumstances under which you can cash it depend on whether it is for lost wages or a settlement.

Lost Wages vs. Settlement Checks

If you are receiving a check for lost wages, it is important to note that this is generally only issued if you have missed work due to your injury. This type of check is provided to cover part or all of your lost income during your recovery period. If you have not missed any work, you should not receive such a check.

However, if the check is related to a settlement and covers other benefits, such as medical expenses, rehabilitation, or permanent disability compensation, you can cash it even if you have not missed work. These types of checks are often paid regardless of whether you have taken time off, to cover long-term costs associated with the injury or disability.

Legitimacy and Cashing Checks

It is crucial to ensure that the check you are cashing is legitimate and that you have the right to claim the benefits. It is advisable to consult with your employer or a legal professional specializing in workers’ compensation if you are unsure about the specifics of your situation.

Cashing Disabling Checks

Cashing a disabling check while working and receiving wages can be considered fraud. For example, receiving a compensation check for a period when you are also drawing wages is not legally permissible and can lead to severe consequences.

It’s important to be aware of the legal implications. If you are working and receiving both a disability check and wages for the same period, holding onto the check could result in penalties, legal actions, or even criminal charges. There are no benefits to be gained from such a situation, and the risks are significant.

Claim and Settlement Process

Claims and settlements under workers’ compensation involve a multi-step process. Typically, these claims are initiated following an injury or diagnosis of a disability. The process involves an examination by a doctor, a hearing with or without a lawyer, and a determination by a judge of the extent of the injury and the appropriate compensation.

After the determination, a settlement check may be issued, which is intended to cover the claims against the company for the injury. This check does not depend on the number of days you missed work; it is designed to provide long-term support to help with recovery and rehabilitation.

Next Steps

If you are unsure about your workers’ compensation benefits or have received a check that you are unsure about, it is important to reach out to your HR department or consult with a legal professional. They can help clarify the specifics of your situation and ensure that you are receiving the correct and appropriate benefits.

Remember, the key is to ensure that you are adhering to the legal and ethical requirements of workers’ compensation. Fraud can have severe repercussions, so it’s best to seek guidance and stay informed.

Keywords: workers' compensation, workman's comp check, cashing benefits