Suffering a serious injury is not something an employee thinks about when they go to work every day. However, workplace injuries are a reality in all work settings. Whether one works in a notoriously risky position, such as construction, or works in an office, an employee faces many potential risks and dangers. Thus, if a worker is injured, they likely have many questions, especially if they require much medical attention and cannot work for an extended period of time.
In these cases, this is where workers' compensation insurance steps in. If an employer purchased this coverage for employment-related injuries and illnesses, then an injured employee could seek benefits from this coverage. In most cases, injured employees can receive workers' compensation benefits no matter who was at fault. The idea is that this insurance coverage is used to preclude the injured employee from suing their employer.
What benefits are involved with workers' compensation? While the payments received are relatively modest, the benefits received through workers' comp can be very helpful and necessary for injured workers. Benefits usually address medical care and costs, replacement income, costs of retraining, compensation for permanent injuries and benefits to survivors of workers killed on the job.
Workers' compensation benefits can be extremely beneficial to those harmed in the workplace. Even when workplace accidents are more likely in the industry you work in, no worker expects to suffer an injury. Thus, it is important to understand what you can do if you fall victim to a workplace accident. Workers' comp benefits could help offset losses and damages caused by medical bills and lost wages.
Source: FindLaw, "Workers' Comp Benefits Explained," accessed Jan. 6, 2018