If you’ve been injured at work, you’re probably asking yourself questions like:
- Am I doing this right?
- Am I missing something important?
- Why does this feel so complicated?
You’re not alone. California workers’ compensation is full of rules, exceptions, and deadlines that most people aren’t told about until it’s too late. Here are the most common workers’ comp questions injured workers asked in 2025 and what actually matters.
Can I Choose My Own Doctor for a Workers’ Comp Injury?
In most cases, no. California workers’ comp usually requires treatment within the insurance company’s Medical Provider Network (MPN).
That said, there are exceptions, like having a properly pre-designated doctor or an invalid MPN. The rule is strict, but it’s not absolute, and knowing when exceptions apply can change the direction of your care and your claim.
Dive deeper into this topic: Getting Your Own Doctor in a Workers’ Comp Case
What Workers’ Comp Benefits Am I Entitled To?
Most workers’ comp benefits fall into three categories:
Medical treatment related to your injury
Wage replacement, including temporary and permanent disability
Vocational benefits, which are now very limited
Permanent disability is often the largest part of a settlement, and its value can vary widely depending on medical opinions, insurance handling, and whether you’re represented.
Don’t miss this helpful guide: Who is eligible for Workers’ Comp Benefits?
Why Insurance Companies Don’t Want You to Hire a Lawyer
There’s a reason injured workers are often discouraged from getting legal help.
When a workers’ comp lawyer is involved, deadlines tend to be enforced, benefits are paid more accurately, and rights are taken more seriously. Representation often brings accountability, and accountability can increase the value of a case.
What If I Had a Preexisting Condition or My Injury Developed Over Time?
This is known as apportionment. Doctors must determine whether part of your condition is related to prior injuries, aging, or other non-work factors.
A preexisting condition usually doesn’t eliminate a workers’ comp claim, it may only reduce part of its value. These percentages are often disputed and can significantly impact settlements.
Recommended next reading: The pre-existing Injuries in Worker Compensation
How Long Do I Have to File a Workers’ Comp Claim?
In most California cases, you have one year from the date of injury or the last benefit provided.
Even if you quit or were fired, you may still have rights. Some cases (especially cumulative trauma injuries) allow claims to be filed long after symptoms first appear.
Can I File Workers’ Comp for Stress or Mental Health?
Yes, but the rules are stricter.
Mental health workers’ comp claims must show that work was the predominant cause of the condition and that it wasn’t caused by normal workplace discipline or “good faith personnel actions.” These cases are complex and highly fact-specific.
Do I Have to Use My PTO If I’m Injured?
Sometimes. If a claim is denied or delayed, workers may use PTO to cover bills.
The key thing to know: PTO is your money, not a credit to the insurance company. If your claim is later accepted, you may still be entitled to disability benefits for that same time period.
The Bottom Line
California workers’ compensation isn’t designed to be easy, and most people don’t realize what they don’t know until something goes wrong. If you’ve been injured and feel unsure about your rights or your next steps, getting clear answers early can make all the difference.
Visit www.pacificworkers.com or call (800) 606-6999 to schedule a free consultation and get guidance tailored to your situation.
About the Author
Bilal Kassem President and Co-founder
Bilal Kassem is the co-founder of Pacific Workers and a nominee for Applicant Attorney of the Year. With a deep-rooted passion for helping injured workers, Bilal leads with empathy and empowers his team to deliver world-class service from the very first interaction.
With years of hands-on experience navigating California’s workers’ compensation system, Bilal has successfully handled complex injury claims involving permanent disability, preexisting conditions, denied benefits, and mental health injuries, helping injured workers protect their rights and secure the benefits they are entitled to.