You may be aware that your job provides workers’ compensation for injured workers. But what you might not realize is the scope of those benefits. Workers’ compensation law provides protections for certain employees to help them mitigate the financial and physical impact of their injuries. It also provides resources for families of workers who die in workplace accidents.
Due to the complex nature of accidents and workplace injuries, workers’ compensation law uses the classification for workers’ compensation benefits.
Types of benefits workers’ compensation provides
These benefits do not apply until an unfortunate event happens that causes trauma. Here is a brief rundown of the different types of compensation workers’ comp. claims cover.
Disfigurement and death – workers who lose body parts or bodily functions and or die from workplace injuries are eligible for a one-time benefit payment. Workers’ compensation also provides benefits for the loss of body parts and functions and death and burial benefits for surviving family members.
Partial temporary disability – employees who sustain occupational injuries or illness that causes them short-term disability are eligible to receive up to 75 percent of their weekly benefit amount for as long as five years.
Total/complete permanent disability – injured workers who qualify for workers’ compensation can receive up to two-thirds of their weekly wage for the length of their incapacitation or inability to work.
Medical care – employees who suffer in workplace accidents are eligible to have their medical expenses for all associated treatments (current and future) paid for by their employer (workers’ compensation insurer).
Don’t give up on your claim
Workers’ compensation benefits are not automatic. Many employers and insurers dispute claims and resort to other tactics to reduce or deny workers’ compensation benefits. A thorough understanding of employer and employee obligations is necessary for successful benefit claims.