We’re here for you.
We’re RAS (Risk Administration Services, Inc.), your employer’s workers’ compensation insurance carrier. We’re here to help you recover from your work-related injury and return to work as soon as possible. Adhering to the following steps is important to ease your claim process.
Immediately report your workplace injury to your employer and report all claims within 24 hours of your employer receiving notification of your injury.
Injured Workers FAQs
You have questions. We have answers.
How are benefits set?
The benefits you may be entitled to depend on your loss of wages and medical situation. Benefits are set by state law.
What if I’m temporarily unable to work?
If you are temporarily unable to work, you may be eligible for what’s called temporary total disability (TTD) benefits. Workers’ compensation typically reimburses the injured employee about two-thirds of the pre-injury average weekly wage, issued at the same interval the employer issues paychecks. TTD benefits are subject to state waiting periods and minimum and maximum limits.
What if I’m unable to work at full wage?
If you are temporarily unable to work at your pre-injury wage, you may be eligible for temporary partial disability (TPD) benefits. Typically, this benefit is paid when you are not fully recovered but are able to work within medical restrictions at a modified or part-time position until recovery is complete.
In many states,TPD benefits cover half to two-thirds of the difference between the pre-injury wage and the reduced wage. Some states calculate benefits based on a percentage of lost wages, which generally is around one-half to two-thirds.
TPD benefits are subject to state waiting periods and minimum and maximum limits.
What if I’m unable to ever work again?
If you are so severely injured you can never return to work, you may be eligible for permanent total disability (PTD) benefits. In most states, PTD benefits cover two-thirds of your average weekly wage and are paid until presumed retirement age or for life, depending on state law.
If you receive PTD benefits and also Social Security disability benefits, in some states the two benefit systems may coordinate to determine the total weekly wage replacement amount.
What if I have a lasting physical impairment?
You may be eligible for permanent partial disability (PPD) benefits if you have sustained a permanent loss of function because of a work injury.
A disability rating is determined by the physician for an injured employee who reaches a point where no further significant medical recovery is expected. Each disability rating is assigned a specific dollar value set by state law. In states where some disabilities are not assigned dollar values, compensation instead is based on loss of earnings capacity.
PPD is not a wage replacement benefit, and it typically can only be paid once you have returned to work or have been found by a doctor to be so severely injured you can never return to work.
Who is my employer’s workers’ compensation insurance carrier?
RAS, Risk Administration Services, is your employer’s workers’ compensation insurance carrier. As a result of injury on the job, you may be eligible for workers’ compensation insurance through RAS. We are committed to providing professional claims service to help employees recover from work-related injury and return to work as soon as possible.