Going Back to Work Could Make You MORE Money on Workers' Comp!

Whether you’re heading back full-time, part-time, or on light duty, when and how you return can change your weekly checks, your medical coverage, and even your final settlement. Let’s break down what really happens when you go back — and how to make sure you don’t leave money on the table.

How Does Going Back to Work Affect Your WC Benefits?

Going back to work doesn’t end your case — it just changes your benefits. Your weekly checks stop once you start earning again, but your medical coverage stays open unless you close it with a Section 32 settlement.

In many cases, going back sooner can actually put more money in your pocket by cutting down the credit the insurance company takes against your final award — and getting you back to real paychecks faster.

What if You Can Only Go Back to Work Part Time While on WC?

If you can only return part time because of your injury, you may qualify for reduced-earnings benefits. Workers’ comp pays two-thirds of the difference between your old full-time wages and what you earn now.

Make sure your part-time work fits your doctor’s restrictions, not what the insurance company’s doctor says. If you refuse a valid offer that meets your limits, your checks could stop — but if the job would break your restrictions or make your injury worse, you can decline it safely.

Working part time is fine under comp — just keep everything documented and make sure your doctor and lawyer are in sync.

What Are The Worst Mistakes You Can Make When Going Back to Work While on WC?

• Going back too soon.
  Don’t return until your own doctor clears you in writing. Going back early can aggravate your injury and give the insurance company ammo to cut off your benefits.
• Ignoring medical restrictions.
  “Toughing it out” usually backfires. If your doctor says no lifting, bending, or long hours, stick to it. Breaking those limits can delay recovery and hurt your case.
• Trusting the insurance doctor.
  The IME works for the carrier, not for you. Always follow your treating doctor’s advice — not the one the insurance company pays for.
• Refusing a valid light-duty offer.
  If your employer offers a job that fits your restrictions and you turn it down, your checks could stop. Only refuse if the job breaks your medical limits or risks making your injury worse.
• Not reporting new pain or symptoms.
  If something starts hurting after you go back, tell your doctor and lawyer right away. Reporting early keeps your treatment and benefits protected.

What Steps Should You Take Before Going Back to Work on WC?

1. Get written clearance from your doctor.
   Don’t rely on a verbal “you’re good to go.” Ask for a note that clearly lists your restrictions — lifting limits, standing time, hours, anything that matters for your job.
2. Go over your restrictions with your employer.
   Before your first day back, make sure your boss or HR understands exactly what you can and can’t do. If the work sounds too physical, talk to your doctor first.
3. Keep copies of everything.
   Save emails, job offers, pay stubs, and even texts about your return. Screenshot them, forward them to yourself, and share copies with your lawyer. A paper trail can save your case later.
4. Loop in your lawyer.
   Tell your attorney before you go back. They can notify the insurance company, prevent benefit interruptions, and make sure your restrictions are properly documented.
5. Go back when it’s safe — not because you feel pressured.
   Don’t rush it because you’re worried about losing your job or upsetting your boss. Take the time your doctor says you need. Your health is worth more than a couple of extra paychecks.

Taking these steps makes your return smoother, safer, and a lot less stressful — and it keeps your benefits protected.

Contact Us For Help With Your Workers' Compensation Case

If you’re unsure about your next step, give me, Rex Zachofsky, a call. I’m always happy to walk you through your options, answer your questions, and make sure you’re not leaving money on the table.