While you are off work
You will receive time-loss payments from the insurer if your doctor authorizes time off work or modified (light-duty) work that results in lost wages.
- Notify the insurer within 30 days of your injury if you are missing wages from a second job. You may be eligible for additional time loss if your doctor authorizes time off or modified work from your secondary job.
- If your claim is denied within the first 14 days, you will not be compensated for missed wages.
- If it takes longer than 14 days to make a decision, the insurer will compensate your missed wages before a decision is made.
The first three days you miss work may not be paid by the insurer unless you are hospitalized or unable to return to work for at least 14 days.
- If your doctor releases you to any kind of work in the first 14 days after you are injured, you will not be paid for the first three days missed.
- If you are hospitalized overnight, or unable to be released to perform work of any kind (at the direction of your doctor) during the first 14 days after you are injured, the first three days missed will be paid.
You will not be paid for any time missed from work that is not authorized by your attending physician, or after you are released to regular work without restrictions by your doctor.
If you turn down a temporary, modified job offer with your employer at injury, and your attending physician has authorized the modified job, your time-loss payments can be affected.