Disclaimer: This article provides general information and is not legal advice. Consult a Wyoming attorney for guidance.
Detailed Answer: Recovering Lost Wages in Wyoming After Accident-Related Injuries
If accident-related injuries prevent you from working in Wyoming, you have several avenues to recover lost wages. Each option carries its own rules, deadlines, and documentation requirements.
1. Workers’ Compensation Benefits
If you suffer an injury on the job, you may file a claim under the Wyoming Workers’ Compensation Act. Eligible employees receive temporary total disability (TTD) benefits equal to two-thirds of their average weekly wage. Benefits start after a seven-day waiting period and continue until you return to work or reach maximum medical improvement. See W.S. 27-14-202 (Wyoming Statutes Title 27, Chapter 14).
2. Personal Injury Claim Against a Third Party
If a negligent driver, property owner or manufacturer caused your injuries, you can pursue a personal injury lawsuit. Wyoming imposes a four-year statute of limitations for most personal claims under W.S. 1-3-105 (Wyoming Statutes Title 1, Chapter 3). A successful suit can recover past and future lost wages, fringe benefits and other economic damages.
3. Auto Insurance Liability Coverage
Wyoming follows a fault-based auto insurance system. If another driver caused the crash, you may file a claim under their bodily injury liability policy to cover lost wages. If you purchased Personal Injury Protection (PIP), you can also claim wage loss up to your PIP limit regardless of fault.
4. Disability Insurance Benefits
Short-term or long-term disability insurance—through your employer or a private carrier—can replace a percentage of your income. Policies vary, but most cover between 50% and 70% of wages for a specified period.
5. Federal Disability Benefits
If your injuries result in a lasting disability, you may apply for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI). Approval requires medical evidence and can take several months.
Each pathway has strict filing deadlines, paperwork rules and potential caps on recoverable wages. Weigh all options and gather comprehensive documentation to maximize your recovery.
Helpful Hints
- Report your injury promptly to your employer and insurer.
- Keep detailed records of pay stubs, time sheets and medical bills.
- Obtain written work restrictions and medical reports from your healthcare provider.
- Document all communications with insurers in writing.
- Consult a Wyoming personal injury or workers’ compensation attorney before signing any releases.